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Cottonwood CDP, CA

ZIP 96022 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 96022

Median Home Value
$355,300
Median Rent
$1,050
Affordability Snapshot
$98,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,282/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 96022 in Cottonwood CDP, CA, a household would need roughly $98,000 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 $2,282. That is roughly in line with the local median household income ($87,220). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
8.0%-23% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
2.0%-85% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
27.7%-44% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$355,300
Home Value
$1,050
Rent
1985
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.9%
  • 1-unit attached1.9%
  • 2-9 units4.7%
  • 10+ units1.7%
  • Mobile home & other13.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$355,300
Median rent$1,050
Owner-occupied77.7%
Vacant8.0%
Price-to-income4.1x
Est. income to buy$98,000