HomeColoradoClear Creek County
Clear Creek County, Colorado: commercial real estate data.
Clear Creek County, Colorado had an estimated 9,076 residents on July 1, 2024, down 3.0 percent since the 2020 census base of 9,360, across 395 square miles. County output reached $656.4 m in 2024, 340 establishments operate here, and the SBA record carries 28 7(a) approvals worth $37.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Clear Creek County
How many people live in Clear Creek County
- Population, American Community Survey 2020-20249,262
- Households4,677
- Average household size1.98
- Median household income$94,577
- Median age49.1
- Median gross rent$1,467 per month
- Median owner-occupied home value$608,500
- Home value to household income6.4 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher57.5 percent
- Adults 25 and over with a graduate degree26.4 percent
- Adults 25 and over7,411
- Population under 181,370
- Share under 1814.8 percent
- Population 65 and over2,102
- Share 65 and over22.7 percent
- Working age population, 18 to 645,790
- Civilian labor force5,523
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over70.0 percent
- Rank by population among Colorado counties39th of 64
- Rank by population among US county-equivalents, Puerto Rico included2545th of 3,222
Clear Creek County is the 39th largest of 64 Colorado counties by population. A median home costs 6.4 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.7 percent against 14.8 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clear Creek County
Is Clear Creek County's population growing?
- Population, July 1, 20249,076
- Census 2020 base population9,360
- Population change since the 2020 census base-3.03 percent
- Population change, 2023 to 2024-47
- Births, 202452
- Deaths, 202465
- Natural change, 2024-13
- Net domestic migration, 2024-43
- Net international migration, 202412
- Total net migration, 2024-31
- Cumulative net domestic migration, 2021 to 2024-274
- Rank by growth among US county-equivalents2745th of 3,144
The county has lost 3.03 percent of its population since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Clear Creek County
Where are people moving to Clear Creek County from?
- Tax returns filed by households arriving518
- People arriving, from those returns732
- Tax returns filed by households leaving529
- Net household movement-11
- Adjusted gross income arriving$52.7 m
- Net adjusted gross income movement$3.4 m
- Average income of an arriving household$101,674
- Average income of a leaving household$93,212
- Largest single originJefferson County (132 households)
- Largest single destinationJefferson County (130 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 132 | 198 | $19.0 m |
| Denver County | 52 | 69 | $5.0 m |
| Adams County | 23 | 37 | $1.6 m |
| Arapahoe County | 23 | 27 | $953,000 |
Households arriving report $8,462 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Jefferson County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Clear Creek County
What is the Clear Creek County economy?
- County GDP, 2024$656.4 m
- County GDP, 2023$770.6 m
- GDP change, 2023 to 2024-14.8 percent
- GDP change over five years34.5 percent
- Rank by GDP among the Colorado areas BEA publishes38th of 64
- Rank by GDP among the US county areas BEA publishes2205th of 3,127
- GDP per resident$70,865
Output grew -14.8 percent in the latest year and 34.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Clear Creek County
Employment by industry in Clear Creek County
- Covered employment, annual average3,323
- Establishments reporting410
- Average annual pay$65,645
- Average weekly wage$1,262
- Retail trade, employment270
- Retail trade, average annual pay$39,262
- Professional, scientific and technical services, employment140
- Professional, scientific and technical services, average annual pay$112,785
- Manufacturing, employment120
- Manufacturing, average annual pay$40,483
- Wholesale trade, employment104
- Wholesale trade, average annual pay$75,447
- Construction, employment86
- Administrative and support and waste management services, employment70
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 270 | 52 | $39,262 |
| Professional, scientific and technical services | 140 | 83 | $112,785 |
| Manufacturing | 120 | 8 | $40,483 |
| Wholesale trade | 104 | 30 | $75,447 |
| Construction | 86 | 31 | $73,612 |
| Administrative and support and waste management services | 70 | 22 | $74,847 |
| Real estate and rental and leasing | 37 | 20 | $40,715 |
| Management of companies and enterprises | 33 | 6 | $77,105 |
Retail trade is the largest private sector at 270 jobs, 8.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Clear Creek County
How many businesses are in Clear Creek County?
- Establishments, all industries340
- Employment at those establishments3,044
- Annual payroll$159.1 m
- Establishments per 1,000 residents36.7
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Clear Creek County
Building permits in Clear Creek County
- Housing units authorized by permit, 202419
- Declared construction value permitted$10.1 m
- Single family units authorized19
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$530,098
- Units authorized per 1,000 households4.1
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Clear Creek County
SBA loans in Clear Creek County (7(a) and 504)
- 7(a) approvals recorded28
- 7(a) gross approval dollars$37.7 m
- Average 7(a) approval$1,345,782
- Median 7(a) approval$703,850
- 10th percentile approval$92,800
- 90th percentile approval$3,318,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)372
- Jobs per approval13.3
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals19
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer60.7 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter8
- Franchise loans2
- Franchise share of approvals7.1 percent
- Leading industry by approval countBreweries (3)
- Most active lenderEnterprise Bank & Trust (3)
- 504 approvals recorded3
- 504 gross approval dollars$3.1 m
- Average 504 approval$1,047,000
- Median 504 approval$226,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved5.7
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$40.8 m
The average approval of $1,345,782 sits well above the median of $703,850, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 60.7 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Clear Creek County
SBA loan default and charge-off rates in Clear Creek County
Do SBA loans in Clear Creek County get paid back?
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure17
- Status: Cancelled3
- Status: Paid in full6
- Status: Committed, not yet disbursed2
Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clear Creek County
SBA lending by place in Clear Creek County
- Borrower cities with recorded lending3
- Idaho Springs, approvals16
- Georgetown, approvals6
- Evergreen, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Idaho Springs | 16 | $28,762,900 |
| Georgetown | 6 | $4,518,300 |
| Evergreen | 6 | $4,400,700 |
Idaho Springs accounts for 16 approvals against 6 in Georgetown. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clear Creek County
How large is Clear Creek County?
- Land area395 sq mi
- Rank by land area among Colorado counties59th of 64
- Width, east to west28 mi
- Height, north to south19.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land23
- Establishments per square mile0.86
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Clear Creek County
Flood risk in Clear Creek County
- Participation of the county's own NFIP community Clear Creek County, unincorporated areasParticipating, community 080034
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Clear Creek County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The county's own community in the status book, unincorporated Clear Creek County (community 080034), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Clear Creek County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 83.3 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Clear Creek County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Clear Creek County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20249,262
- Households4,677
- Average household size1.98
- Median household income$94,577
- Median age49.1
Common questions
Clear Creek County questions, answered from the record.
How many people live in Clear Creek County, Colorado?
The Census Bureau estimates 9,076 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 9,262, in 4,677 households, ranking 39th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clear Creek County's population growing?
The population has fallen 3.03 percent since the 2020 census base of 9,360, to 9,076 on July 1, 2024. In 2024 there were 52 births against 65 deaths, with net migration of -31. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clear Creek County?
$94,577. The median owner-occupied home is valued at $608,500, which is 6.4 times income, and median gross rent is $1,467 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Clear Creek County?
340 establishments, employing 3,044 people with an annual payroll of $159.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Clear Creek County?
Retail trade is the largest private sector at 270 jobs, 8.1 percent of covered employment. Covered employment averages 3,323 jobs at an average annual pay of $65,645, or $1,262 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clear Creek County?
28 7(a) approvals totaling $37.7 m since FY2020, across 21 lenders, with a median approval of $703,850, plus 3 504 approvals worth $3.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Clear Creek County?
19 housing units were authorized by permit in 2024, with a declared construction value of $10.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clear Creek County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Clear Creek County come from?
The largest single origin is Jefferson County, with 132 households. Arriving households report an average income of $101,674 against $93,212 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Clear Creek County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Clear Creek County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Clear Creek County
Cities and places in Clear Creek.
14 Census places lie wholly or partly in Clear Creek County. All 14 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Idaho Springs | city | 1,986 | 16 | Wholly in this county |
| Georgetown | town | 1,053 | 6 | Wholly in this county |
| Upper Bear Creek | CDP | 954 | None recorded | Wholly in this county |
| Floyd Hill | CDP | 841 | None recorded | Wholly in this county |
| Upper Witter Gulch | CDP | 731 | None recorded | Wholly in this county |
| Empire | town | 672 | None recorded | Wholly in this county |
| Central | city | 525 | None recorded | 12.5 percent here, 87.5 percent Gilpin County |
| Pine Valley | CDP | 392 | None recorded | Wholly in this county |
| Brook Forest | CDP | 355 | None recorded | 31.8 percent here, 68.2 percent Jefferson County |
| Downieville-Lawson-Dumont | CDP | 345 | None recorded | Wholly in this county |
| Echo Hills | CDP | 180 | None recorded | Wholly in this county |
| Silver Plume | town | 127 | None recorded | Wholly in this county |
| Blue Valley | CDP | 120 | None recorded | Wholly in this county |
| St. Mary's | CDP | 68 | None recorded | Wholly in this county |
A further 6 of the county's 28 SBA 7(a) approvals are to borrowers in cities that match no Census place in Clear Creek County, the largest being Evergreen (6). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
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