86326 ZIP Code — Cottonwood, AZ

Yavapai County, Arizona

ZIP code 86326 is located in Cottonwood, Arizona, within Yavapai County. It covers approximately 45.46 square miles and serves a population of 24,486 residents. This is a standard ZIP code in the Mountain (MT) — no DST timezone, served by area code 928.

About ZIP code 86326

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $277,900. Owner-occupancy sits near the national average at 63%.

Median household income is $51,637. 47% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 21 minutes is near the national average.

Educational attainment is near the national average, with 24% of residents holding a bachelor's degree or higher.

20% of residents lack health insurance, above the national average.

24,486

population

45.46

sq mi land

Standard

ZIP type

Mountain (MT) — no DST

timezone

86326 ZIP code map

Cities in ZIP code 86326

Below are the cities the US Postal Service accepts for ZIP code 86326. Using any city not on this list may result in mail delivery delays.

City	Status
Cottonwood	Preferred

Nearby ZIP codes

86327 Dewey (10.4 mi) 86324 Clarkdale (13.3 mi) 86325 Cornville (13.5 mi) 86322 Camp Verde (16 mi) 86301 Prescott (18 mi) 86335 Rimrock (18.8 mi)

Demographics updated 06/2026

Population
Total population	24,486
Population density	539 / sq mi
State FIPS	04
County FIPS	025

Geography
Land area	45.46 sq mi
Water area	0.00 sq mi
Latitude	34.6362
Longitude	-112.1035
Timezone	Mountain (MT) — no DST
Area code	928

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.0%	47.0%	40.6%
$50k – $100k	30.1%	32.8%	31.9%
$100k – $200k	14.8%	16.0%	21.1%
Over $200k	2.0%	4.2%	6.4%

Demographics & statistics

24,486

Population

539

People per sq mi

50.0

Median age

$51,637

Median household income

$30,584

Per capita income

$277,900

Median home value

$1,029

Median monthly rent

62.8%

Home ownership

16.4%

Poverty rate

3.7%

Unemployment

7,630

Housing units

24.3%

Bachelor's or higher

Age distribution

Male Female

555

Under 5

566

393

5–9

401

637

10–14

649

616

15–19

628

674

20–24

688

1,278

25–34

1,305

1,432

35–44

1,462

1,200

45–54

1,225

938

55–59

957

995

60–64

1,016

1,786

65–74

1,822

1,212

75–84

1,236

403

85+

412

← Male

Female →

Age summary

Group	Count	%
Under 18	4,078	16.7%
18 and over	20,408	83.3%
65 and over	6,871	28.1%
Median age	50.0 years

Race & ethnicity

White 72.7%

Hispanic or Latino 10.4%

Two or more races 9.1%

Other race 5.3%

American Indian / Alaska Native 1.3%

Black or African American 0.7%

Asian 0.3%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	19,876	72.7%
Hispanic or Latino	2,853	10.4%
Two or more races	2,501	9.1%
Other race	1,462	5.3%
American Indian / Alaska Native	347	1.3%
Black or African American	196	0.7%
Asian	89	0.3%
Native Hawaiian / Pacific Islander	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	53.0%	47.0%	40.6%
$50k – $100k	30.1%	32.8%	31.9%
$100k – $200k	14.8%	16.0%	21.1%
Over $200k	2.0%	4.2%	6.4%

Under $10k 7.0%

$10k–$15k 6.6%

$15k–$25k 9.6%

$25k–$35k 12.7%

$35k–$50k 12.3%

$50k–$75k 18.0%

$75k–$100k 11.8%

$100k–$150k 15.3%

$150k–$200k 4.2%

$200k+ 2.4%

Range	% of households
Under $10k	7.0%
$10k–$15k	6.6%
$15k–$25k	9.6%
$25k–$35k	12.7%
$35k–$50k	12.3%
$50k–$75k	18.0%
$75k–$100k	11.8%
$100k–$150k	15.3%
$150k–$200k	4.2%
$200k+	2.4%
Median income	$51,637

Housing

Home values

Under $50k 6.7%

$50k–$100k 3.9%

$100k–$150k 8.0%

$150k–$200k 8.9%

$200k–$300k 29.5%

$300k–$500k 34.3%

$500k–$1M 7.0%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$277,900
Median rent / month	$1,029
Owner occupied	62.8%
Renter occupied	37.2%
Vacant	4.9%
Single-family detached	54.1%
Large apartment buildings	5.9%
Mobile homes	19.7%
Median rooms	5.0
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.3%
2010–2019	6.3%
2000–2009	16.8%
1990–1999	24.4%
1980–1989	25.2%
1970–1979	20.5%
1960–1969	3.2%
1950–1959	1.0%
1940–1949	1.0%
1939 or earlier	1.4%

Bedrooms

Size	% of units
No bedroom (studio)	3.1%
1 bedroom	11.5%
2 bedrooms	32.8%
3 bedrooms	43.8%
4 bedrooms	7.1%
5+ bedrooms	1.7%

Vehicles per household

Vehicles	% of households
No vehicle	7.7%
1 vehicle	36.9%
2 vehicles	30.0%
3 or more	25.4%

Heating fuel

Fuel type	%
Utility gas	52.5%
Electricity	41.6%
Propane / LP gas	3.1%
Wood	1.3%
Solar	1.3%

Households & families

Household type	Count	%
Married-couple family	4,544	40.5%
Cohabiting couple	1,160	10.3%
Male householder, no spouse	2,009	17.9%
Female householder, no spouse	3,517	31.3%
Households with children under 18	2,135	19.0%
Households with seniors (65+)	5,292	47.1%
Average household size	2.15

Marital status

Status	Male	Female
Never married	30.5%	22.2%
Married	49.2%	42.4%
Separated	0.8%	2.2%
Widowed	3.5%	13.7%
Divorced	16.0%	19.6%

Education

Less than 9th grade 3.5%

Some HS, no diploma 5.2%

HS graduate 29.7%

Some college, no degree 30.2%

Associate's degree 7.1%

Bachelor's degree 15.7%

Graduate / professional 8.6%

Metric	%
HS diploma or higher	91.3%
Bachelor's or higher	24.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	217	5.0%
Kindergarten	187	4.4%
Elementary school	1,809	42.1%
High school	1,169	27.2%
College / grad school	916	21.3%

Employment

Industry of employment

Education & healthcare 22.7%

Arts, food & hospitality 18.4%

Professional & management 12.8%

Retail trade 11.5%

Construction 8.2%

Other services 6.7%

Public administration 5.2%

Manufacturing 4.4%

Finance & real estate 3.7%

Transportation & utilities 2.7%

Wholesale trade 2.3%

Agriculture & mining 0.7%

Information 0.6%

Occupation

Category	%
Management, business & arts	31.4%
Service	27.3%
Sales & office	21.2%
Natural resources & construction	11.1%
Production & transportation	9.0%

Employment type

Type	%
Private sector	74.0%
Government	12.5%
Self-employed	13.2%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	76.4%
Carpool	12.5%
Public transit	0.3%
Walk	1.7%
Work from home	7.0%
Other means	2.1%
Avg commute (minutes)	20.5

Poverty

All people 16.4%

Under 18 years 26.6%

18 and over 14.5%

Married-couple families 5.4%

Female-led households 32.0%

Income support

Source	% of households
Social Security	47.0%
Retirement income	28.0%
Supplemental Security	7.0%
Cash public assistance	1.3%
Food stamps / SNAP	10.8%

Health indicators

Condition	%
Obesity	28.7%
High blood pressure	35.9%
High cholesterol	34.9%
Diabetes	10.4%
Heart disease	7.8%
Stroke	3.9%
Asthma	10.9%
Arthritis	29.6%
Kidney disease	3.8%
Pulmonary disease	9.0%
Cancer	8.2%

Behavior / access	%
Smoking	17.9%
Binge drinking	13.6%
No physical activity	25.1%
Less than 7 hrs sleep	28.9%
Depression	21.6%
Fair or poor health	16.7%
Poor mental health	14.9%
Poor physical health	12.4%
No health insurance	17.5%
Visited doctor (checkup)	70.3%
Visited dentist	56.5%
Cholesterol screening	90.0%
Teeth loss	14.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,125	10.4%

Disability	%
Any disability	19.2%
Under 18	6.4%
18–64 years	13.9%
65 and over	37.5%

Health insurance coverage

Type	%
Private insurance	51.1%
Public insurance	46.1%
No insurance	20.3%
Uninsured under 19	19.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	23,365	95.4%
Spanish	1,076	4.6%
Other Indo-European	1,007	4.3%
Asian & Pacific Islander	56	0.2%
Other languages	12	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	22,004	89.9%
Born in same state	21,804	89.0%
Born in different state	7,895	32.2%
Foreign born	200	0.8%
Naturalized citizen	2,482	10.1%
Not a US citizen	1,212	48.8%

Ancestry

Ancestry	Count	%
Italian	3,746	15.3%
French	3,671	15%
Arab	1,431	5.8%
Polish	453	1.9%
German	400	1.6%

Ancestry	Count	%
English	285	1.2%
Dutch	136	0.6%
Irish	52	0.2%
Norwegian	27	0.1%

Technology access

Metric	% of households
Computer access	45.9%
Internet access	89.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 86326

What city is ZIP code 86326 in?

ZIP code 86326 is primarily assigned to Cottonwood, Arizona.

What county is ZIP code 86326 in?

ZIP code 86326 falls within Yavapai County, Arizona.

Does ZIP code 86326 have an older population?

28% of residents in ZIP code 86326 are 65 or older, above the national average of ~17%.

Does ZIP code 86326 have a large retiree population?

47% of households in ZIP code 86326 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 86326?

16% of residents in ZIP code 86326 live below the poverty line, above the national average.

Does ZIP code 86326 have a large veteran population?

10% of civilians in ZIP code 86326 are veterans, above the national average of ~7%.

What timezone is ZIP code 86326 in?

ZIP code 86326 observes the MST timezone.