HomeOregonLane CountyCottage Grove
Cottage Grove, Oregon: commercial real estate data.
Cottage Grove is a Census city of 10,698 people across 3.88 square miles of land, in Lane County. Median household income is $80,875, 59.0 percent of occupied homes are owned, and the SBA record carries 19 7(a) approvals to borrowers here worth $18.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cottage Grove
What Cottage Grove is
- Census place typecity
- Land area3.88 sq mi
- Water area0.03 sq mi
- Population per square mile of land2,757
- County holding the largest share of its areaLane 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
- Population10,698
- Median age38.9
- Population under 182,364
- Share under 1822.1 percent
- Population 65 and over1,819
- Share 65 and over17.0 percent
- Households4,225
- Family households2,653
- Share of households that are families62.8 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$80,875
- Per capita income$33,651
- Civilian labor force5,613
- Employed5,279
- Unemployed334 plus or minus 162
- Unemployment rate6.0 percent plus or minus 2.9
- Adults 25 and over7,093
- Adults 25 and over with a high school diploma or higher93.4 percent
- Adults 25 and over with a bachelor degree or higher21.1 percent plus or minus 4.9
- Adults 25 and over with a graduate degree8.6 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottage Grove
Housing in Cottage Grove
- Housing units4,479
- Occupied units4,225
- Vacant units254 plus or minus 105
- Vacancy rate5.7 percent plus or minus 2.3
- Owner occupied2,493
- Renter occupied1,732
- Ownership rate59.0 percent
- Median owner-occupied home value$346,600
- Median gross rent, monthly$1,254
- Annual rent as a share of median income18.6 percent plus or minus 4.3
- Single family units3,221
- Share single family71.9 percent
- Units in buildings of two or more1,001 plus or minus 328
- Share in buildings of two or more22.3 percent plus or minus 7.2
- Mobile homes257 plus or minus 101
- Median year structure built1977
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 commute4,738
- Commuting under 15 minutes1,892 plus or minus 422
- Share commuting under 15 minutes39.9 percent plus or minus 8.4
- Commuting 30 minutes or more1,556 plus or minus 341
- Share commuting 30 minutes or more32.8 percent plus or minus 6.8
- Drove alone73.0 percent
- Carpooled9.7 percent plus or minus 3.6
- Public transport1.2 percent plus or minus 1.2
- Walked6.2 percent plus or minus 3.6
- Worked from home9.7 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottage Grove
SBA loans in Cottage Grove (7(a))
- Approvals19
- Gross approval$18,663,600
- Average approval$982,295
- Median approval$100,000
- Largest approval$5,000,000
- Jobs supported174
- Jobs per approval9.2
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more15.8 percent
- Share to franchises5.3 percent
- Distinct lenders8
- Distinct industries by NAICS15
Counted by borrower city: approvals to borrowers whose address is in Cottage Grove, in any county, FY2020 to FY2026. Only 1 loan has 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.
Cottage Grove
SBA loans in Cottage Grove (504)
- Approvals1
- Gross approval$382,000
- Average approval$382,000
- Median approval$382,000
- Largest approval$382,000
- Jobs supported6
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Cottage Grove, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cottage Grove
Flood risk in Cottage Grove
- NFIP communityCity of Cottage Grove
- NFIP community number410120
- Participating in the NFIPYes
- Community Rating System classClass 6
- Currently effective map date06/02/99
The City of Cottage Grove participates in the National Flood Insurance Program as community 410120 and carries Community Rating System class 6, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lane County, not Cottage Grove
Lane County context, not Cottage Grove figures
- Establishments in Lane County10,151
- Covered employment, Lane County157,428
- Average annual pay, Lane County$59,020
- Housing units permitted, Lane County1,814
Every figure in this section is published for Lane County as a whole and is not a measurement of Cottage Grove.
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
Cottage Grove questions, answered from the record.
How many people live in Cottage Grove, Oregon?
10,698, in 4,225 households. Cottage Grove city covers 3.88 square miles of land, which is 2,757 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?
Lane 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?
$80,875. The median owner-occupied home is valued at $346,600. Median gross rent is $1,254 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?
19 7(a) approvals totaling $18.7 m since FY2020, across 8 lenders, median approval $100,000, plus 1 504 approvals worth $382,000 since FY2010. 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?
No rate is published for Cottage Grove. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cottage Grove in the National Flood Insurance Program?
Yes. Cottage Grove appears in the FEMA Community Status Book as Cottage Grove, city of, community 410120, carrying Community Rating System class 6, which is a premium discount for exceeding the program minimum. 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 Cottage Grove figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lane 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?
No. Nothing on this page presents parcel level zoning.