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Cottonwood, TX

Texas · Kaufman County · Metropolitan Area

Cottonwood is a small town in Texas with a population of 335. Residents earn $100,417 per year, which is 34% above the national average.

3.8 /5.0
B+ Good
335 Population 233/sq mi density
$100,417 Median Income $43,167 per capita
$265,000 Home Value
66°F Avg Temperature 308 sunny days/yr
B+
Overall
3.8 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.0 / 5.0
$100,417 median income, 7.8% unemployment
A+
Affordability
5.0 / 5.0
$265,000 home value
C+
Education
2.5 / 5.0
19.3% bachelor's degree or higher
Median Income $100,417
34% higher than US avg
Home Value $265,000
6% lower than US avg
Bachelor's+ 19.3%
43% lower than US avg
Obesity Rate 34.2%
7% higher than US avg
Unemployment 7.8%
117% higher than US avg
Poverty Rate 8.6%
31% lower than US avg

How Cottonwood Compares to the U.S. Average (100% = U.S. avg)

People

Population335
Median Age40.0 yrs
Density233/mi²
Male / Female55% / 45%
Largest GroupWhite 81%
Veterans11.6%

Economy

A
Median Income$100,417
Per Capita$43,167
Unemployment7.8%
Poverty8.6%
County GDP$6,967M
Commute50 min

Housing

A+
Home Value$265,000
RentN/A
OwnershipN/A
Housing Units136
Rent Burden18.3%

Health

Obesity34.2%
Uninsured13.1%
Smoking15.0%
Depression25.8%
Heart Disease5.4%

Climate

Avg Temp66°F (19°C)
AQI42 (Good)
Rain42.1 in/yr
Sunny Days308/yr
Elevation394 ft (120 m)

Education

C+
Bachelor's+19.3%
High School+87.8%
Graduate+7.3%
School Score5.10

Community

2024 VoteR 64% / D 36%
Commute50 min
Broadband77.6%
Libraries4

Is Cottonwood a Good Place to Live?

Based on current data, Cottonwood receives an overall livability score of 3.8 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment, a high uninsured rate, long commute times. Cottonwood offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Cottonwood is $100,417, which is significantly higher than the national average — 34% above $75,149. This places Cottonwood among higher-income communities. The unemployment rate of 7.8% is somewhat elevated compared to the national rate of 3.6%. 8.6% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 50 minutes, longer than the typical American commute of 28 minutes.

Cost of Living & Housing

The median home value in Cottonwood is $265,000, roughly aligned with the national median of $281,900. At just 2.6x median income, home prices are very affordable relative to local earnings.

Education

19.3% of residents hold a bachelor's degree, below the national average of 33.7%. 87.8% have completed high school. Area schools have an average test score of 5.1/10.

Climate & Weather

Cottonwood enjoys a moderate climate with an average annual temperature of 66°F. Winters average 46°F in January while summers reach 84°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 42.1 inches. Air quality is rated Good with a median AQI of 42.

Cottonwood has a population of 335 with a density of 233 people per square mile, spread across 1.4 square miles. The median age is 40.0 years, 3% older than the national median of 38.9. The gender split is 45.4% female and 54.6% male. The city is predominantly White (80.6%), with 7.5% Hispanic. English is the primary language spoken at home by 98.9% of residents. 11.6% of the population are veterans, above the national rate of 6.0%. 17.8% of residents have a disability (above the 13.0% national average). 87.1% have health insurance coverage.

Population

335
Total Population
233
People / sq mi
40.0yrs
Median Age
3% above US avg
1.4mi²
Land Area

Gender Distribution

Male 54.6%
Female 45.4%

Race & Ethnicity

Cottonwood vs U.S. Average

Language Spoken at Home

English Only98.9%
26% above US avg
Spanish1.1%
92% below US avg

Social Characteristics

Cottonwood vs U.S. Average

The median household income in Cottonwood is $100,417, which is 34% above the national average of $75,149. Per capita income is $43,167 (above the $39,052 national figure). The average weekly wage is $1,076, 25% lower than the U.S. average. The unemployment rate is 7.8% (above the 3.6% US average). 8.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,668 business establishments, including 225 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 50 minutes (longer than the 28-minute US average). 2.1% of workers work from home (below the 15.2% national rate).

Income: Cottonwood vs U.S.

Commute Mode

Income

Median HH Income$100,417
34% above US avg
Per Capita Income$43,167
Avg Weekly Wage$1,076
IRS Avg AGI$72,125

Employment & Poverty

Unemployment7.8%
117% above US avg
Poverty Rate8.6%
31% below US avg
Establishments (County)2,668
County GDP$6,967M

Business (County)

Restaurants225
Healthcare205
Retail327
Manufacturing109

Tax & Cost of Living

Property Tax (IRS)$7,453
113% above US avg
Cost of Living97.10 (100=avg)
Effective Tax Rate2.81%

Commute & Transportation

Commute Time50.4 min
Drive Alone80.8%
Public Transit0.0%
Work from Home2.1%

Walkability

The median home value in Cottonwood is $265,000, 6% below the national median of $281,900. Fair market rent ranges from $935 for a one-bedroom to $1,149 for a two-bedroom apartment. There are 136 total housing units in the city. The median year a home was built is 1991. The average annual property tax is $7,453 (higher than the $3,500 national average). 18.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.6x, well within the affordable range.

Home Value Sources

Ownership Split

Home Values

Census Median$265,000
6% below US avg

Real Estate Market (Redfin)

Rental Costs

Rent Burden18.3%

HUD Fair Market Rent

Studio$887
1 Bedroom$935
2 Bedrooms$1,149
3 Bedrooms$1,497
4 Bedrooms$1,733

Ownership & Property

Owner-Occupied72.0%
Housing Units136
Median Year Built1991

Property Tax

Avg Tax (IRS)$7,453
113% above US avg
Effective Rate2.81%
In Cottonwood, 34.2% of adults are obese, above the national rate of 32.1%. 9.5% have diabetes. Heart disease affects 5.4% of residents. 30.4% have high blood pressure. 15.0% are current smokers. 20.2% report binge drinking. 24.3% are physically inactive. 25.8% report depression (above the 20.0% national average). 19.6% experience frequent mental distress. 13.1% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:4,781. The dentist ratio is 1:2,612. 67.1% of residents have access to exercise opportunities. The food environment index is 8.2 out of 10.

Health Metrics: Cottonwood vs U.S. Average (%)

Chronic Conditions

Obesity34.2%
7% above US avg
Diabetes9.5%
Heart Disease5.4%
High Blood Pressure30.4%
Asthma10.8%
COPD6.5%
Cancer7.0%
Stroke2.9%

Behaviors & Mental Health

Smoking15.0%
7% above US avg
Binge Drinking20.2%
Physical Inactivity24.3%
Depression25.8%
Mental Distress19.6%
Physical Distress13.3%
Short Sleep39.3%

Healthcare Access

Insurance Rate87.1%
Uninsured13.1%
52% above US avg
Primary Care1:4,781
Dentists1:2,612
Mental Health1:938
Checkup Rate71.7%
Dental Visits54.6%
Premature Death8,809/100K

Food & Exercise

Food Environment8.2/10
Exercise Access67.1%
Healthcare Facilities205
Cottonwood enjoys a temperate climate with an average annual temperature of 66°F (19°C). Winters average 46°F in January while summers reach 84°F in July. The area gets 308 sunny days per year, well above the U.S. average of 205 — making it one of the sunnier locations in the country. Annual precipitation totals 42.1 inches. Air quality is rated Good with a median AQI of 42. The city sits at an elevation of 394 feet.

Temperature

46°F Jan (8°C) 84°F Jul (29°C)
Annual Average65.7°F
22% above US avg
January Average46°F (8°C)
July Average84°F (29°C)
Sunny Days308 days/yr

Precipitation & Snow

Annual Rainfall42.1 inches
11% above US avg
Snowfall0.4 inches/yr

Air Quality

AQI Median42.0
RatingGood

Geography

Elevation394 ft (120 m)
Area1.4 sq mi (3.7 km²)
Population Density233/sq mi
Coordinates32.4514°N, 96.4004°W
TimezoneAmerica/Chicago
CountyKaufman County County
County FIPS48257
Cottonwood is located in Kaufman County. It is classified as Metro — 1 million+, part of a metropolitan area. 19.3% of adults hold a bachelor's degree or higher, 43% below the national average of 33.7%. 87.8% have completed high school. 7.3% hold a graduate or professional degree (below the 13.1% national rate). Area schools have an average test score of 5.1 out of 10. In the 2024 presidential election, the county voted Republican with 63.5% of the vote, a 27.9-point margin. 77.6% of households have broadband internet access (below the 90.0% national rate). There are 4 public libraries serving the community. 205 healthcare facilities operate in the area. 80.8% of workers drive alone to work.

2024 Presidential Election (County)

R 63.5%
D 35.7%

Winner: Republican by 27.9 points

Education

Bachelor's Degree+19.3%
43% below US avg
High School+87.8%
Graduate Degree+7.3%
School Test Score5.10
C+ Education Grade (2.5/5.0)

Urban-Rural Classification

RUCC Code 1Metro — 1 million+
Population Density233/sq mi
Total Area1.4 sq mi
CountyKaufman County County

Infrastructure & Services

Broadband Access77.6%
Public Libraries4
Healthcare Facilities205
Restaurants225
Retail Stores327

Safety & Disasters

Fatal Crashes (County/yr)21
FEMA Disaster Declarations91

Commute & Transportation

Avg Commute50.4 min
Drive Alone80.8%
Public Transit0.0%
Work from Home2.1%

Nearby Cities

Kaufman, TX 8,010 pop · 10.4 mi Kemp, TX 1,389 pop · 10.4 mi Combine, TX 2,780 pop · 11.8 mi Crandall, TX 4,307 pop · 12.3 mi Seven Points, TX 1,287 pop · 12.4 mi Heartland, TX 11,019 pop · 15.6 mi Garrett, TX 1,067 pop · 15.6 mi Palmer, TX 1,606 pop · 15.7 mi Rice, TX 1,168 pop · 15.7 mi Ennis, TX 21,546 pop · 16.2 mi Seagoville, TX 18,968 pop · 16.3 mi Talty, TX 2,727 pop · 16.8 mi Ferris, TX 2,932 pop · 17.1 mi Tool, TX 2,399 pop · 17.8 mi
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