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Cottonwood, Arizona Retirement Guide
established retirement community
65
Retirement Score
Cottonwood, Arizona at a Glance
- Median Home Price
- $265,700
- State Income Tax
- State income tax; Social Security fully exempt; limited pension exemption.
- Avg January Low
- N/A
- Cost of Living Index
- 100 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 65 / 100
Retirement Data
Affordability
Cost of Living Index
100 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$265,700High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$996High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security fully exempt; limited pension exemption.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
95.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
45.7 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
95.5 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
89.1 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
21.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
2.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
12,314High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
54.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
33.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$43,273High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
50.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
9.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
25.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
20.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
84.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
0.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
18.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cottonwood using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$576
Stress-case monthly carrying cost
$647
Median home price used: $265,700
Median rent reference: $996 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.