HomeTexasLubbock CountyShallowater city
Shallowater city, Texas: commercial real estate data.
Shallowater city is a Census city of 2,955 people across 1.62 square miles of land, in Lubbock County. Median household income is $89,107, 76.9 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $1.4 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Shallowater
What Shallowater is
- Census place typecity
- Land area1.62 sq mi
- Water area0 sq mi
- Population per square mile of land1,822
- County holding the largest share of its areaLubbock 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.
Shallowater
How many people live in Shallowater
- Population2,955
- Median age37.8
- Population under 18919
- Share under 1831.1 percent
- Population 65 and over386 plus or minus 100
- Share 65 and over13.1 percent plus or minus 3.4
- Households1,007
- Family households886
- Share of households that are families88.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shallowater
Income and work in Shallowater
- Median household income$89,107 plus or minus $18,140
- Per capita income$35,689
- Civilian labor force1,510
- Employed1,458
- Unemployed52 plus or minus 51
- Unemployment rate3.4 percent plus or minus 3.4
- Adults 25 and over1,885
- Adults 25 and over with a high school diploma or higher93.9 percent
- Adults 25 and over with a bachelor degree or higher24.3 percent
- Adults 25 and over with a graduate degree8.5 percent plus or minus 3.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shallowater
Housing in Shallowater
- Housing units1,121
- Occupied units1,007
- Vacant units114 plus or minus 67
- Vacancy rate10.2 percent plus or minus 5.9
- Owner occupied774
- Renter occupied233 plus or minus 78
- Ownership rate76.9 percent
- Median owner-occupied home value$210,000 plus or minus $73,145
- Median gross rent, monthly$1,202 plus or minus $349
- Annual rent as a share of median income16.2 percent plus or minus 5.7
- Single family units1,037
- Share single family92.5 percent
- Units in buildings of two or more21 plus or minus 20
- Share in buildings of two or more1.9 percent plus or minus 1.8
- Mobile homes63 plus or minus 42
- Median year structure built1985
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shallowater
How Shallowater gets to work
- Workers 16 and over who commute1,368
- Commuting under 15 minutes432 plus or minus 143
- Share commuting under 15 minutes31.6 percent plus or minus 10.1
- Commuting 30 minutes or more176 plus or minus 73
- Share commuting 30 minutes or more12.9 percent plus or minus 5.2
- Drove alone86.4 percent
- Carpooled6.4 percent plus or minus 3.7
- Public transport0.0 percent
- Walked1.2 percent plus or minus 1.2
- Worked from home6.0 percent plus or minus 3.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Shallowater
SBA loans in Shallowater (7(a))
- Approvals2
- Gross approval$1,436,900
- Average approval$718,450
- Median approval$845,200
- Ninetieth percentile approval$845,200
- Largest approval$845,200
- Jobs supported23
- Jobs per approval11.5
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term312 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 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.
Shallowater
SBA loans in Shallowater (504)
- Approvals2
- Gross approval$672,000
- Average approval$336,000
- Median approval$469,000
- Largest approval$469,000
- Jobs supported14
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Shallowater
Flood risk in Shallowater
- Listed NFIP communities1
- Of those, participating1
- NFIP community number480917
- Currently effective map date09/28/07(M)
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.
Lubbock County, not Shallowater
Lubbock County context, not Shallowater figures
These are Lubbock County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Shallowater measurements.
- Establishments in Lubbock County8,019
- Employment at those establishments, Lubbock County124,049
- Covered employment, Lubbock County151,811
- Average annual pay, Lubbock County$54,452
- Average weekly wage, Lubbock County$1,047
- Housing units permitted, Lubbock County2,209
- Of those, single family, Lubbock County1,911
- County product, 2024, Lubbock County$19,822,420,000
- County product change over the prior year, Lubbock County4.4 percent
- Average income of an arriving household, Lubbock County$62,370
Every figure in this section is published for Lubbock County as a whole and is not a measurement of Shallowater. 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
Shallowater questions, answered from the record.
How many people live in Shallowater, Texas?
2,955, in 1,007 households. Shallowater city covers 1.62 square miles of land, which is 1,822 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Shallowater in?
Lubbock 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 Shallowater?
$89,107. The median owner-occupied home is valued at $210,000. Median gross rent is $1,202 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Shallowater businesses?
2 7(a) approvals totalling $1.4 m, across 2 lenders, median approval $845,200, plus 2 504 approvals worth $672,000. These count approvals to borrowers whose address is in Shallowater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Shallowater borrowers get paid back?
No rate is published for Shallowater. 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 Shallowater in the National Flood Insurance Program?
Yes. Shallowater appears in the FEMA Community Status Book as community 480917, 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 Shallowater figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lubbock 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 Shallowater.
Is zoning published for Shallowater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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