What is the cost of living in Cottonwood, AZ?
According to the most recent data on the cost of living, Cottonwood has an overall cost of living index of 104, which is 1.0x higher than the national index of 100.
Compared to Arizona, Cottonwood has a cost of living index that's 1.0x higher than Arizona's index of 100.
The standard of living in Cottonwood ranks as #40 most affordable out of the 91 places we measured in Arizona. By definition, that implies Cottonwood ranks as the #51 most expensive place in the Grand Canyon State.
For more reading on life in Cottonwood, check out:
Cottonwood Cost Of Living Vs. Arizona
Six factors go into calculating the cost of living index in Cottonwood. Here is how it fares on each of the criteria:
The Services index in Cottonwood is 104.
The Groceries index in Cottonwood is 101.
The Health index in Cottonwood is 105.
The Housing index in Cottonwood is 103.
The Transportation index in Cottonwood is 113.
The Utilities index in Cottonwood is 102.
| Living Expense | Cottonwood | Arizona | National Average |
|---|---|---|---|
| Overall | 104 | 100 | 100 |
| Services | 104 | 99 | 100 |
| Groceries | 101 | 99 | 100 |
| Health | 105 | 97 | 100 |
| Housing | 103 | 104 | 100 |
| Transportation | 113 | 113 | 100 |
| Utilities | 102 | 104 | 100 |
Cottonwood Cost Of Living Compared To Arizona Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Arizona, check out:
Protect your home budget Compare home warranties in Cottonwood Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Cottonwood, AZ Housing Cost Breakdown
Housing swings affordability the most between places in Arizona, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Cottonwood is $397,513.
The Median Rent in Cottonwood is $1,120.
The Median Income in Cottonwood is $48,448.
The Home Value To Income in Cottonwood is 8.2x.
The Rent To Monthly Income in Cottonwood is 0.28x.
| Statistic | Cottonwood | Arizona | United States |
|---|---|---|---|
| Median Home Value | $397,513 | $423,329 | $332,700 |
| Median Rent | $1,120 | $1,543 | $1,413 |
| Median Income | $48,448 | $79,964 | $80,734 |
| Home Value To Income | 8.2x | 5.3x | 4.1x |
| Rent To Monthly Income | 0.28x | 0.23x | 0.21x |
Cottonwood, AZ Costs By Category
Detailed Cottonwood Services costs vs. Arizona
| Item | Cottonwood | Arizona |
|---|---|---|
| Shampoo | $1.33 | $1.28 |
| Movie | $11.7 | $12.13 |
| Bowling | $26.78 | $18 |
| Haircut | $22.83 | $24.26 |
| Beauty Salon | $38.8 | $45.56 |
Detailed Cottonwood Groceries costs vs. Arizona
| Item | Cottonwood | Arizona |
|---|---|---|
| Ground Beef | $5.21 | $5.84 |
| Fried Chicken | $1.73 | $1.57 |
| Milk | $4.78 | $4.67 |
| Potatoes | $4.05 | $4.93 |
| Pizza | $13.22 | $12.09 |
| Beer | $11.51 | $10.41 |
| Toothpaste | $3.54 | $3.7 |
Detailed Cottonwood Health costs vs. Arizona
| Item | Cottonwood | Arizona |
|---|---|---|
| Optometrist | $83.94 | $125.68 |
| Doctor | $96.11 | $135.78 |
| Dentist | $104.95 | $113.29 |
Detailed Cottonwood Transportation costs vs. Arizona
| Item | Cottonwood | Arizona |
|---|---|---|
| Gasoline | $3.58 | $3.46 |
| Tire Balancing | $45.24 | $59.92 |
Detailed Cottonwood Utilities costs vs. Arizona
| Item | Cottonwood | Arizona |
|---|---|---|
| All Electricity | $272.57 | $193.99 |
| Phone | $184.69 | $192.25 |
