HomeAlabamaHouston CountyCottonwood
Cottonwood, Alabama: commercial real estate data.
Cottonwood 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 since FY2020.
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
- 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
Counted by borrower city: approvals to borrowers whose address is in Cottonwood, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cottonwood
Flood risk in Cottonwood
- NFIP communityTown of Cottonwood
- NFIP community number010102
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/03/14
The Town of Cottonwood participates in the National Flood Insurance Program as community 010102 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Houston County, not Cottonwood
Houston County context, not Cottonwood figures
- Establishments in Houston County2,859
- Covered employment, Houston County50,877
- Average annual pay, Houston County$53,521
- Housing units permitted, Houston County463
Every figure in this section is published for Houston County as a whole and is not a measurement of Cottonwood.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $219,000 since FY2020, 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cottonwood in the National Flood Insurance Program?
Yes. Cottonwood appears in the FEMA Community Status Book as Cottonwood, town of, community 010102, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cottonwood figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.