HomeFloridaJackson CountyCottondale
Cottondale, Florida: commercial real estate data.
Cottondale is a Census town of 822 people across 3.27 square miles of land, in Jackson County. Median household income is $36,959, 66.9 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $227,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cottondale
What Cottondale is
- Census place typetown
- Land area3.27 sq mi
- Water area0.14 sq mi
- Population per square mile of land251 plus or minus 87
- County holding the largest share of its areaJackson 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.
Cottondale
How many people live in Cottondale
- Population822 plus or minus 284
- Median age38.8 plus or minus 14.1
- Population under 18172 plus or minus 65
- Share under 1820.9 percent
- Population 65 and over184 plus or minus 76
- Share 65 and over22.4 percent plus or minus 5.0
- Households356 plus or minus 111
- Family households205 plus or minus 93
- Share of households that are families57.6 percent plus or minus 19.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottondale
Income and work in Cottondale
- Median household income$36,959 plus or minus $16,252
- Per capita income$25,277 plus or minus $5,925
- Civilian labor force314 plus or minus 123
- Employed303 plus or minus 120
- Unemployed11 plus or minus 10
- Unemployment rate3.5 percent plus or minus 2.9
- Adults 25 and over559 plus or minus 195
- Adults 25 and over with a high school diploma or higher76.7 percent plus or minus 34.7
- Adults 25 and over with a bachelor degree or higher12.0 percent plus or minus 4.7
- Adults 25 and over with a graduate degree3.8 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottondale
Housing in Cottondale
- Housing units425 plus or minus 124
- Occupied units356 plus or minus 111
- Vacant units69 plus or minus 37
- Vacancy rate16.2 percent plus or minus 7.3
- Owner occupied238 plus or minus 91
- Renter occupied118 plus or minus 44
- Ownership rate66.9 percent plus or minus 14.8
- Median owner-occupied home value$79,200 plus or minus $28,796
- Median gross rent, monthly$1,085
- Annual rent as a share of median income35.2 percent plus or minus 16.3
- Single family units260 plus or minus 101
- Share single family61.2 percent plus or minus 15.7
- Units in buildings of two or more71 plus or minus 39
- Share in buildings of two or more16.7 percent plus or minus 7.8
- Mobile homes94 plus or minus 51
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottondale
How Cottondale gets to work
- Workers 16 and over who commute266 plus or minus 106
- Commuting under 15 minutes29 plus or minus 20
- Share commuting under 15 minutes10.9 percent plus or minus 6.3
- Commuting 30 minutes or more134 plus or minus 69
- Share commuting 30 minutes or more50.4 percent plus or minus 16.3
- Drove alone64.4 percent
- Carpooled20.5 percent plus or minus 14.4
- Public transport1.0 percent plus or minus 1.6
- Walked1.0 percent plus or minus 1.6
- Worked from home12.2 percent plus or minus 10.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottondale
SBA loans in Cottondale (7(a))
- Approvals1
- Gross approval$227,000
- Average approval$227,000
- Median approval$227,000
- Largest approval$227,000
- Jobs supported3
- Jobs per approval3.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Cottondale, 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.
Cottondale
Flood risk in Cottondale
- NFIP communityCity of Cottondale
- NFIP community number120583
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/17/10(M)
The City of Cottondale participates in the National Flood Insurance Program as community 120583 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.
Jackson County, not Cottondale
Jackson County context, not Cottondale figures
- Establishments in Jackson County799
- Covered employment, Jackson County14,830
- Average annual pay, Jackson County$47,323
- Housing units permitted, Jackson County145
Every figure in this section is published for Jackson County as a whole and is not a measurement of Cottondale.
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
Cottondale questions, answered from the record.
How many people live in Cottondale, Florida?
822, in 356 households. Cottondale town covers 3.27 square miles of land, which is 251 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cottondale in?
Jackson 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 Cottondale?
$36,959. The median owner-occupied home is valued at $79,200. Median gross rent is $1,085 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cottondale businesses?
1 7(a) approvals totaling $227,000 since FY2020, across 1 lenders, median approval $227,000. These count approvals to borrowers whose address is in Cottondale, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cottondale borrowers get paid back?
No rate is published for Cottondale. 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 Cottondale in the National Flood Insurance Program?
Yes. Cottondale appears in the FEMA Community Status Book as Cottondale, city of, community 120583, 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 Cottondale figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jackson 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 Cottondale.
Is zoning published for Cottondale?
No. Nothing on this page presents parcel level zoning.
Nearby