HomeTexasLubbock CountyShallowater
Shallowater, Texas: commercial real estate data.
Shallowater 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 since FY2020.
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$718,450
- Largest approval$845,200
- Jobs supported23
- Jobs per approval11.5
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term308 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Shallowater, 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.
Shallowater
SBA loans in Shallowater (504)
- Approvals2
- Gross approval$672,000
- Average approval$336,000
- Median approval$336,000
- Largest approval$469,000
- Jobs supported14
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Shallowater, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Shallowater
Flood risk in Shallowater
- NFIP communityCity of Shallowater
- NFIP community number480917
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/28/07(M)
The City of Shallowater participates in the National Flood Insurance Program as community 480917 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.
Lubbock County, not Shallowater
Lubbock County context, not Shallowater figures
- Establishments in Lubbock County8,019
- Covered employment, Lubbock County151,811
- Average annual pay, Lubbock County$54,452
- Housing units permitted, Lubbock County2,209
Every figure in this section is published for Lubbock County as a whole and is not a measurement of Shallowater.
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
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 totaling $1.4 m since FY2020, across 2 lenders, median approval $718,450, plus 2 504 approvals worth $672,000 since FY2010. 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 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 Shallowater in the National Flood Insurance Program?
Yes. Shallowater appears in the FEMA Community Status Book as Shallowater, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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