HomeAlabamaHouston CountyCottonwood town
Cottonwood town, Alabama: commercial real estate data.
Cottonwood town is a Census town of 971 people across 5.78 square miles of land, in Houston County. Median household income is $34,468, 66.8 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $219,000.
66 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cottonwood
What Cottonwood is
- Census place typetown
- Land area5.78 sq mi
- Water area0.02 sq mi
- Population per square mile of land168
- County holding the largest share of its areaHouston County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
How many people live in Cottonwood
- Population971
- Median age52.5
- Population under 18112 plus or minus 47
- Share under 1811.5 percent plus or minus 4.5
- Population 65 and over222 plus or minus 56
- Share 65 and over22.9 percent
- Households488
- Family households239 plus or minus 50
- Share of households that are families49.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
Income and work in Cottonwood
- Median household income$34,468 plus or minus $7,279
- Per capita income$24,307
- Civilian labor force387 plus or minus 95
- Employed382 plus or minus 93
- Unemployed5 plus or minus 7
- Unemployment rate1.3 percent plus or minus 1.8
- Adults 25 and over804
- Adults 25 and over with a high school diploma or higher82.6 percent
- Adults 25 and over with a bachelor degree or higher7.5 percent plus or minus 5.0
- Adults 25 and over with a graduate degree1.7 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
Housing in Cottonwood
- Housing units579
- Occupied units488
- Vacant units91 plus or minus 72
- Vacancy rate15.7 percent plus or minus 12.2
- Owner occupied326
- Renter occupied162 plus or minus 44
- Ownership rate66.8 percent
- Median owner-occupied home value$111,500 plus or minus $28,458
- Median gross rent, monthly$339 plus or minus $210
- Annual rent as a share of median income11.8 percent plus or minus 7.7
- Single family units360 plus or minus 80
- Share single family62.2 percent
- Units in buildings of two or more68 plus or minus 38
- Share in buildings of two or more11.7 percent plus or minus 6.2
- Mobile homes151 plus or minus 79
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
How Cottonwood gets to work
- Workers 16 and over who commute347 plus or minus 83
- Commuting under 15 minutes57 plus or minus 30
- Share commuting under 15 minutes16.4 percent plus or minus 7.7
- Commuting 30 minutes or more132 plus or minus 51
- Share commuting 30 minutes or more38.0 percent plus or minus 11.7
- Drove alone88.4 percent
- Carpooled0.3 percent plus or minus 1.1
- Public transport0.0 percent
- Walked2.6 percent plus or minus 3.4
- Worked from home8.7 percent plus or minus 7.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood
SBA loans in Cottonwood (7(a))
- Approvals1
- Gross approval$219,000
- Average approval$219,000
- Median approval$219,000
- Ninetieth percentile approval$219,000
- Largest approval$219,000
- Jobs supported2
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Houston County, not Cottonwood
Houston County context, not Cottonwood figures
These are Houston County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cottonwood measurements.
- Establishments in Houston County2,859
- Employment at those establishments, Houston County44,694
- Covered employment, Houston County50,877
- Average annual pay, Houston County$53,521
- Average weekly wage, Houston County$1,029
- Housing units permitted, Houston County463
- Of those, single family, Houston County359
- County product, 2024, Houston County$8,043,315,000
- County product change over the prior year, Houston County3.4 percent
- Average income of an arriving household, Houston County$49,236
Every figure in this section is published for Houston County as a whole and is not a measurement of Cottonwood. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cottonwood questions, answered from the record.
How many people live in Cottonwood, Alabama?
971, in 488 households. Cottonwood town covers 5.78 square miles of land, which is 168 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cottonwood in?
Houston County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cottonwood?
$34,468. The median owner-occupied home is valued at $111,500. Median gross rent is $339 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cottonwood businesses?
1 7(a) approvals totalling $219,000, across 1 lenders, median approval $219,000. These count approvals to borrowers whose address is in Cottonwood, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cottonwood borrowers get paid back?
No rate is published for Cottonwood. only 0 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Cottonwood figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Houston County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cottonwood.
Is zoning published for Cottonwood?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.