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Affordable & Income-Based Housing in Cottonwood

Cottonwood has 9 affordable and income-based rental properties offering 505 total units across the city. With a median market rent of $1,120 per month according to Census ACS 5-Year data, income-restricted housing can provide meaningful savings for the 46 percent of residents who rent. This page covers what you need to know about each property, from inspection results to flood risk.

9
Properties
505
Total units
83/100
Avg HUD score

At a glance

🏠 Affordability
$1,120/mo

Affordability in Cottonwood, AZ

According to Census ACS 5-Year data (as of 2024), the median gross rent in Cottonwood is $1,120 per month and the median household income is $48,448 annually. About 46% of residents rent their homes, meaning affordable housing options are in high demand across the city.

Census ACS 5-Year
🛡️ Safety
223 / 100k · 2024

Safety

According to FBI Crime Data Explorer, the Cottonwood Police Department reported a violent crime rate of 223 per 100,000 residents in 2024. Note that crime rates are not directly comparable across cities due to differences in reporting practices and jurisdiction definitions.

Of the 3 HUD-assisted properties in Cottonwood, none are located in a FEMA-designated high-risk flood zone, based on available flood map data.

FBI Crime Data Explorer
🚶 Getting around
Walk Score 61 · Somewhat Walkable

Getting Around Cottonwood

According to Walk Score, the area around assisted properties in Cottonwood rates 61 (Somewhat Walkable) for walking and 48 for biking. No Transit Score is available, reflecting the limited public transit typical of smaller Arizona cities. Having a car will make most errands easier.

Walk Score
🎓 Schools
14 schools · 5 districts

Schools

Cottonwood is served by 14 schools across 5 districts, including 4 elementary and 9 high schools, plus 1 other, according to NCES Common Core of Data. Ratings vary by school and district, so renters should check the assigned schools for a specific address.

NCES Common Core of Data
📊 Cost of living
$48,448 median income

Cost of Renting in Cottonwood, AZ

The median household income in Cottonwood is $48,448 per year, according to Census ACS 5-Year estimates. The median gross rent is $1,120 per month, which means housing costs can stretch budgets for many residents.

Income-based and HUD-assisted rentals in Cottonwood can offer meaningful relief. Rents at these properties are typically tied to a percentage of household income rather than the open market rate.

  • Median household income: $48,448/year (Census ACS 5-Year)
  • Median market rent: $1,120/month (Census ACS 5-Year)
  • Share of residents who rent: 46% (Census ACS 5-Year)
  • Affordable rental properties tracked: 3 buildings, 127 total units
Census ACS 5-Year
🌊 Environment & risk

Environment

All 3 HUD-assisted properties in Cottonwood have been mapped for flood risk. None are located in a high-risk flood zone, according to flood risk data for these properties.

FEMA · EPA AirNow
HUD Inspection Scoresavg 83/100(3 of 9 scored)
90+ (1)70–89 (2)No score (6)

9 properties on the map

Top-rated properties

Browse all 9 affordable apartments in Cottonwood→

Other cities in AZ

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Your rights & resources

› How HUD & Section 8 housing works› Tenant rights in AZ› Housing assistance & waitlists› Free legal aid (LawHelp)› Energy bill help (LIHEAP)

Read more

About Cottonwood

Cottonwood, AZ is a small high-desert city in the Verde Valley, home to 3 HUD-assisted or income-restricted properties with 127 total affordable units. About 46 percent of residents rent their homes, according to Census ACS 5-Year data (as of 2024), and the median household income is $48,448 per year.

The median asking rent across all housing in Cottonwood is $1,120 per month, according to Census ACS 5-Year data (as of 2024), making income-restricted units a meaningful resource for cost-burdened renters in the area.

Getting Around

Cottonwood has a Walk Score of 61 ("Somewhat Walkable") and a Bike Score of 48, according to Walk Score. Access to a car is helpful for most daily errands.

Safety

According to FBI Crime Data Explorer (2024), Cottonwood had a violent crime rate of 223 per 100,000 residents, as reported by the Cottonwood Police Department.

Schools

Cottonwood is served by 5 school districts with 14 public schools in the area -- including 4 elementary schools and 9 high schools -- according to NCES Common Core of Data.

Flood Risk

All 3 HUD-assisted properties in Cottonwood have been mapped for flood risk. None are located in a high-risk flood zone, according to flood mapping data.

Eligibility & how to apply

Arizona income limits (2026)Arizona public housing authoritiesSection 8 waitlists in Arizona

Helpful guides

How Section 8 Vouchers WorkWhat Is Income-Based Housing?How to Apply for Affordable HousingSection 8 vs. LIHTCUnderstanding HUD Inspection ScoresHow Affordable Housing Waitlists Work
Research: what 22,600 HUD inspection scores reveal →