HomeMinnesotaWashington CountyCottage Grove city
Cottage Grove city, Minnesota: commercial real estate data.
Cottage Grove city is a Census city of 40,992 people across 33.64 square miles of land, in Washington County. Median household income is $120,791, 88.2 percent of occupied homes are owned, and the SBA record carries 41 7(a) approvals to borrowers here worth $6.5 m.
77 sourced place values · tier FULL · 8 sections
Cottage Grove
What Cottage Grove is
- Census place typecity
- Land area33.64 sq mi
- Water area3.89 sq mi
- Population per square mile of land1,219
- County holding the largest share of its areaWashington 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.
Cottage Grove
How many people live in Cottage Grove
- Population40,992
- Median age36.5
- Population under 1810,409
- Share under 1825.4 percent
- Population 65 and over5,760
- Share 65 and over14.1 percent
- Households14,395
- Family households11,189
- Share of households that are families77.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottage Grove
Income and work in Cottage Grove
- Median household income$120,791
- Per capita income$49,540
- Civilian labor force23,074
- Employed22,224
- Unemployed850 plus or minus 275
- Unemployment rate3.7 percent plus or minus 1.2
- Adults 25 and over26,974
- Adults 25 and over with a high school diploma or higher95.1 percent
- Adults 25 and over with a bachelor degree or higher40.8 percent
- Adults 25 and over with a graduate degree12.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottage Grove
Housing in Cottage Grove
- Housing units14,487
- Occupied units14,395
- Vacant units92 plus or minus 87
- Vacancy rate0.6 percent plus or minus 0.6
- Owner occupied12,696
- Renter occupied1,699
- Ownership rate88.2 percent
- Median owner-occupied home value$378,800
- Median gross rent, monthly$1,783
- Annual rent as a share of median income17.7 percent
- Single family units13,204
- Share single family91.1 percent
- Units in buildings of two or more1,228 plus or minus 307
- Share in buildings of two or more8.5 percent plus or minus 2.1
- Mobile homes55 plus or minus 46
- Median year structure built1990
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottage Grove
How Cottage Grove gets to work
- Workers 16 and over who commute17,227
- Commuting under 15 minutes4,013
- Share commuting under 15 minutes23.3 percent
- Commuting 30 minutes or more6,056
- Share commuting 30 minutes or more35.2 percent
- Drove alone69.2 percent
- Carpooled8.2 percent
- Public transport0.3 percent plus or minus 0.2
- Walked0.5 percent plus or minus 0.4
- Worked from home21.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottage Grove
SBA 7(a) lending to Cottage Grove borrowers
- Approvals41
- Gross approval$6,450,800
- Average approval$157,337
- Median approval$100,000
- Ninetieth percentile approval$317,600
- Largest approval$900,000
- Jobs supported205
- Jobs per approval5.0
- Loans with a final outcome10
- Paid in full10
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more4.9 percent
- Share to franchises12.2 percent
- Distinct lenders15
- Distinct industries by NAICS31
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cottage Grove
SBA 504 lending to Cottage Grove borrowers
- Approvals23
- Gross approval$18,492,000
- Average approval$804,000
- Median approval$557,000
- Largest approval$3,612,000
- Jobs supported377
- Loans with a final outcome8
- Charged off1
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Washington County, not Cottage Grove
Washington County context, not Cottage Grove figures
These are Washington County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cottage Grove measurements.
- Establishments in Washington County6,542
- Employment at those establishments, Washington County95,631
- Covered employment, Washington County95,625
- Average annual pay, Washington County$60,700
- Average weekly wage, Washington County$1,167
- Housing units permitted, Washington County1,397
- Of those, single family, Washington County1,261
- County product, 2024, Washington County$17,077,663,000
- County product change over the prior year, Washington County4.0 percent
- Average income of an arriving household, Washington County$87,864
Every figure in this section is published for Washington County as a whole and is not a measurement of Cottage Grove. 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
Cottage Grove questions, answered from the record.
How many people live in Cottage Grove, Minnesota?
40,992, in 14,395 households. Cottage Grove city covers 33.64 square miles of land, which is 1,219 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cottage Grove in?
Washington 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 Cottage Grove?
$120,791. The median owner-occupied home is valued at $378,800. Median gross rent is $1,783 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cottage Grove businesses?
41 7(a) approvals totalling $6.5 m, across 15 lenders, median approval $100,000, plus 23 504 approvals worth $18.5 m. These count approvals to borrowers whose address is in Cottage Grove, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cottage Grove borrowers get paid back?
Of the 10 loans that have reached a final outcome, 10 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Are the county figures on this page Cottage Grove figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Washington 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 Cottage Grove.
Is zoning published for Cottage Grove?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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