Gilpin County, Colorado: commercial real estate data.
Gilpin County, Colorado had an estimated 5,963 residents on July 1, 2024, up 2.8 percent since the 2020 census base of 5,802, across 150 square miles. County output reached $1.02 bn in 2024, 144 establishments operate here, and the SBA record carries 6 7(a) approvals worth $2.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Gilpin County
How many people live in Gilpin County
- Population, American Community Survey 2020-20245,901
- Households3,122
- Average household size1.89
- Median household income$95,361
- Median age47.2
- Median gross rent$1,658 per month
- Median owner-occupied home value$573,900
- Home value to household income6.0 times
- Annual rent as a share of median income20.9 percent
- Adults 25 and over with a bachelor degree or higher52.8 percent
- Adults 25 and over with a graduate degree26.7 percent
- Adults 25 and over4,737
- Population under 18967
- Share under 1816.4 percent
- Population 65 and over1,315
- Share 65 and over22.3 percent
- Working age population, 18 to 643,619
- Civilian labor force3,485
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over70.6 percent
- Rank by population among Colorado counties47th of 64
- Rank by population among US county-equivalents, Puerto Rico included2818th of 3,222
Gilpin County is the 47th largest of 64 Colorado counties by population. A median home costs 6.0 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 22.3 percent against 16.4 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.
Gilpin County
Is Gilpin County's population growing?
- Population, July 1, 20245,963
- Census 2020 base population5,802
- Population change since the 2020 census base2.77 percent
- Population change, 2023 to 202440
- Births, 202443
- Deaths, 202451
- Natural change, 2024-8
- Net domestic migration, 202441
- Net international migration, 20248
- Total net migration, 202449
- Cumulative net domestic migration, 2021 to 202474
- Rank by growth among US county-equivalents932nd of 3,144
The county has grown 2.77 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Gilpin County
Where are people moving to Gilpin County from?
- Tax returns filed by households arriving304
- People arriving, from those returns444
- Tax returns filed by households leaving296
- Net household movement8
- Adjusted gross income arriving$28.2 m
- Net adjusted gross income movement$1.1 m
- Average income of an arriving household$92,717
- Average income of a leaving household$91,507
- Largest single originJefferson County (67 households)
- Largest single destinationJefferson County (74 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Jefferson County | 67 | 88 | $5.0 m |
| Boulder County | 48 | 79 | $5.9 m |
| Denver County | 27 | 33 | $1.9 m |
Households arriving report $1,210 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.
Gilpin County
What is the Gilpin County economy?
- County GDP, 2024$1.02 bn
- County GDP, 2023$935.0 m
- GDP change, 2023 to 20248.9 percent
- GDP change over five years83.1 percent
- Rank by GDP among the Colorado areas BEA publishes32nd of 64
- Rank by GDP among the US county areas BEA publishes1828th of 3,127
- GDP per resident$172,536
Output grew 8.9 percent in the latest year and 83.1 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.
Gilpin County
Employment by industry in Gilpin County
- Covered employment, annual average4,712
- Establishments reporting228
- Average annual pay$67,931
- Average weekly wage$1,306
- Arts, entertainment and recreation, employment1,971
- Arts, entertainment and recreation, average annual pay$75,180
- Accommodation and food services, employment1,908
- Accommodation and food services, average annual pay$58,213
- Construction, employment64
- Construction, average annual pay$66,022
- Professional, scientific and technical services, employment56
- Professional, scientific and technical services, average annual pay$91,548
- Wholesale trade, employment32
- Real estate and rental and leasing, employment14
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Arts, entertainment and recreation | 1,971 | 22 | $75,180 |
| Accommodation and food services | 1,908 | 14 | $58,213 |
| Construction | 64 | 26 | $66,022 |
| Professional, scientific and technical services | 56 | 49 | $91,548 |
| Wholesale trade | 32 | 15 | $95,286 |
| Real estate and rental and leasing | 14 | 10 | $99,650 |
| Finance and insurance | 9 | 6 | $147,767 |
Arts, entertainment and recreation is the largest private sector at 1,971 jobs, 41.8 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Gilpin County
How many businesses are in Gilpin County?
- Establishments, all industries144
- Employment at those establishments4,513
- Annual payroll$249.9 m
- Establishments per 1,000 residents24.4
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.
Gilpin County
Building permits in Gilpin County
- Housing units authorized by permit, 202424
- Declared construction value permitted$10.9 m
- Single family units authorized24
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$455,711
- Units authorized per 1,000 households7.7
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.
Gilpin County
SBA loans in Gilpin County (7(a) and 504)
- 7(a) approvals recorded6
- 7(a) gross approval dollars$2.4 m
- Average 7(a) approval$401,300
- Median 7(a) approval$165,000
- Largest single approval$1,400,000
- Jobs reported supported, 7(a)18
- Jobs per approval3.0
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals6
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderU.S. Bank, National Association (3)
- 504 approvals recorded1
- 504 gross approval dollars$892,000
- Average 504 approval$892,000
- Median 504 approval$892,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved1.1
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$3.3 m
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.
Gilpin County
SBA loan default and charge-off rates in Gilpin County
Do SBA loans in Gilpin County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure5
Only 1 loan has 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.
Gilpin County
SBA lending by place in Gilpin County
- Borrower cities with recorded lending2
- Black Hawk, approvals5
- Central, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Black Hawk | 5 | $2,327,800 |
| Central | 1 | $80,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Gilpin County
How large is Gilpin County?
- Land area150 sq mi
- Rank by land area among Colorado counties63rd of 64
- Width, east to west15.6 mi
- Height, north to south13 mi
- Geographies sharing a boundary4
- Residents per square mile of land39
- Establishments per square mile0.96
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.
Gilpin County
Flood risk in Gilpin County
- Participation of the county's own NFIP community Gilpin County, unincorporated areasParticipating, community 080075
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP3
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Gilpin 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 Gilpin County (community 080075), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Gilpin 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. 100.0 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 Gilpin 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 Gilpin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20245,901
- Households3,122
- Average household size1.89
- Median household income$95,361
- Median age47.2
Common questions
Gilpin County questions, answered from the record.
How many people live in Gilpin County, Colorado?
The Census Bureau estimates 5,963 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 5,901, in 3,122 households, ranking 47th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gilpin County's population growing?
The population has grown 2.77 percent since the 2020 census base of 5,802, to 5,963 on July 1, 2024. In 2024 there were 43 births against 51 deaths, with net migration of 49. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gilpin County?
$95,361. The median owner-occupied home is valued at $573,900, which is 6.0 times income, and median gross rent is $1,658 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Gilpin County?
144 establishments, employing 4,513 people with an annual payroll of $249.9 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 Gilpin County?
Arts, entertainment and recreation is the largest private sector at 1,971 jobs, 41.8 percent of covered employment. Covered employment averages 4,712 jobs at an average annual pay of $67,931, or $1,306 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gilpin County?
6 7(a) approvals totaling $2.4 m since FY2020, across 4 lenders, with a median approval of $165,000, plus 1 504 approvals worth $892,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Gilpin County?
24 housing units were authorized by permit in 2024, with a declared construction value of $10.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gilpin 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 Gilpin County come from?
The largest single origin is Jefferson County, with 67 households. Arriving households report an average income of $92,717 against $91,507 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Gilpin 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 Gilpin 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.
Gilpin County
Cities and places in Gilpin.
4 Census places lie wholly or partly in Gilpin County. All 4 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 |
|---|---|---|---|---|
| Coal Creek | CDP | 2,346 | None recorded | 14.3 percent here, 63.2 percent Jefferson County, 22.5 percent Boulder County |
| Central | city | 525 | 1 | 87.5 percent here, 12.5 percent Clear Creek County |
| Rollinsville | CDP | 264 | None recorded | Wholly in this county |
| Black Hawk | city | 106 | 5 | Wholly in this county |
Nearby