ZIP Code 83522 — Cottonwood city, ID Demographics & Data

ZIP code 83522 covers Cottonwood, ID in Idaho County with a population of about 2,620.

At a glance, the area shows median age of 35.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 208, 986; U.S. House district ID-1; the SPOKANE media market.

Median household income in ZIP 83522 is about $67,438 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.8%; unemployment rate near 4.8%; 17.5% of adults with a bachelor’s degree or higher (about 16.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Other services; about 8.0% of workers reporting work-from-home (about 7.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $237,900 — about 32% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $630 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 77.2% (about 11.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 83522 in Cottonwood, ID, a household would need roughly $65,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,528. That is roughly in line with the local median household income ($67,438). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cottonwood city, ID as Relatively Low (composite score 78.4), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (98.7) and flood (72.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cottonwood city, ID show little to no average snow and around 22.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 172 for ZIP 83522 (Cottonwood city, ID) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.