HomeTexasBurnet CountyCottonwood Shores city
Cottonwood Shores city, Texas: commercial real estate data.
Cottonwood Shores city is a Census city of 1,859 people across 1.07 square miles of land, in Burnet County. Median household income is $63,365, 71.8 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $517,000.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cottonwood Shores
What Cottonwood Shores is
- Census place typecity
- Land area1.07 sq mi
- Water area0 sq mi
- Population per square mile of land1,736 plus or minus 448
- County holding the largest share of its areaBurnet 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 Shores
How many people live in Cottonwood Shores
- Population1,859 plus or minus 480
- Median age35.1
- Population under 18427 plus or minus 148
- Share under 1823.0 percent plus or minus 5.3
- Population 65 and over201 plus or minus 58
- Share 65 and over10.8 percent
- Households607 plus or minus 137
- Family households457 plus or minus 124
- Share of households that are families75.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood Shores
Income and work in Cottonwood Shores
- Median household income$63,365
- Per capita income$25,825 plus or minus $5,619
- Civilian labor force1,077 plus or minus 264
- Employed1,056 plus or minus 263
- Unemployed21 plus or minus 24
- Unemployment rate1.9 percent plus or minus 2.2
- Adults 25 and over1,259 plus or minus 282
- Adults 25 and over with a high school diploma or higher84.4 percent
- Adults 25 and over with a bachelor degree or higher17.0 percent plus or minus 5.3
- Adults 25 and over with a graduate degree2.9 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood Shores
Housing in Cottonwood Shores
- Housing units685 plus or minus 143
- Occupied units607 plus or minus 137
- Vacant units78 plus or minus 55
- Vacancy rate11.4 percent plus or minus 7.7
- Owner occupied436 plus or minus 121
- Renter occupied171 plus or minus 79
- Ownership rate71.8 percent
- Median owner-occupied home value$264,100
- Median gross rent, monthly$1,224 plus or minus $366
- Annual rent as a share of median income23.2 percent plus or minus 8.2
- Single family units555 plus or minus 128
- Share single family81.0 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes117 plus or minus 54
- Median year structure built2004
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood Shores
How Cottonwood Shores gets to work
- Workers 16 and over who commute1,002 plus or minus 264
- Commuting under 15 minutes418 plus or minus 164
- Share commuting under 15 minutes41.7 percent plus or minus 12.1
- Commuting 30 minutes or more208 plus or minus 118
- Share commuting 30 minutes or more20.8 percent plus or minus 10.4
- Drove alone84.0 percent
- Carpooled9.5 percent plus or minus 3.3
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home4.5 percent plus or minus 2.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cottonwood Shores
SBA loans in Cottonwood Shores (7(a))
- Approvals2
- Gross approval$517,000
- Average approval$258,500
- Median approval$300,000
- Ninetieth percentile approval$300,000
- Largest approval$300,000
- Jobs supported9
- Jobs per approval4.5
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term306 months
- Share on real estate terms of 20 years or more50.0 percent
- Share to franchises50.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
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.
Cottonwood Shores
Flood risk in Cottonwood Shores
- Listed NFIP communities1
- Of those, participating1
- NFIP community number481614
- Currently effective map date11/01/19
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Burnet County, not Cottonwood Shores
Burnet County context, not Cottonwood Shores figures
These are Burnet 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 Shores measurements.
- Establishments in Burnet County1,600
- Employment at those establishments, Burnet County15,327
- Covered employment, Burnet County16,807
- Average annual pay, Burnet County$56,648
- Average weekly wage, Burnet County$1,089
- Housing units permitted, Burnet County742
- Of those, single family, Burnet County742
- County product, 2024, Burnet County$2,728,129,000
- County product change over the prior year, Burnet County2.9 percent
- Average income of an arriving household, Burnet County$140,369
Every figure in this section is published for Burnet County as a whole and is not a measurement of Cottonwood Shores. 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.
- 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 Shores questions, answered from the record.
How many people live in Cottonwood Shores, Texas?
1,859, in 607 households. Cottonwood Shores city covers 1.07 square miles of land, which is 1,736 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cottonwood Shores in?
Burnet 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 Shores?
$63,365. The median owner-occupied home is valued at $264,100. Median gross rent is $1,224 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 Shores businesses?
2 7(a) approvals totalling $517,000, across 2 lenders, median approval $300,000. These count approvals to borrowers whose address is in Cottonwood Shores, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cottonwood Shores borrowers get paid back?
No rate is published for Cottonwood Shores. 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.
Is Cottonwood Shores in the National Flood Insurance Program?
Yes. Cottonwood Shores appears in the FEMA Community Status Book as community 481614, 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 Shores figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Burnet 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 Shores.
Is zoning published for Cottonwood Shores?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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