HomeColoradoGilpin CountyCentral city
Central city, Colorado: commercial real estate data.
Central city is a Census city of 525 people across 2.78 square miles of land, lying across Gilpin County and Clear Creek County. Median household income is $61,622, 61.6 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $80,000.
67 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Central
What Central is
- Census place typecity
- Land area2.78 sq mi
- Water area0 sq mi
- Population per square mile of land189 plus or minus 66
- County holding the largest share of its areaGilpin County, 87.5 percent
- Counties this place lies inGilpin County 87.5 percent, Clear Creek County 12.5 percent
Central city crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central
How many people live in Central
- Population525 plus or minus 182
- Median age35.9 plus or minus 16.9
- Population under 18165 plus or minus 85
- Share under 1831.4 percent plus or minus 12.0
- Population 65 and over89 plus or minus 66
- Share 65 and over17.0 percent plus or minus 11.2
- Households310 plus or minus 104
- Family households129 plus or minus 72
- Share of households that are families41.6 percent plus or minus 18.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central
Income and work in Central
- Median household income$61,622 plus or minus $30,650
- Per capita income$44,882 plus or minus $15,143
- Civilian labor force316 plus or minus 137
- Employed303 plus or minus 132
- Unemployed13 plus or minus 22
- Unemployment rate4.1 percent plus or minus 6.7
- Adults 25 and over345 plus or minus 121
- Adults 25 and over with a high school diploma or higher77.4 percent
- Adults 25 and over with a bachelor degree or higher22.9 percent plus or minus 13.8
- Adults 25 and over with a graduate degree5.2 percent plus or minus 6.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central
Housing in Central
- Housing units494 plus or minus 119
- Occupied units310 plus or minus 104
- Vacant units184 plus or minus 73
- Vacancy rate37.2 percent plus or minus 11.7
- Owner occupied191 plus or minus 91
- Renter occupied119 plus or minus 67
- Ownership rate61.6 percent plus or minus 20.8
- Median owner-occupied home value$366,300 plus or minus $90,635
- Median gross rent, monthly$1,451 plus or minus $588
- Annual rent as a share of median income28.3 percent plus or minus 18.1
- Single family units286 plus or minus 88
- Share single family57.9 percent
- Units in buildings of two or more199 plus or minus 100
- Share in buildings of two or more40.3 percent plus or minus 17.8
- Mobile homes9 plus or minus 15
- Median year structure built1968
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central
How Central gets to work
- Workers 16 and over who commute255 plus or minus 119
- Commuting under 15 minutes191 plus or minus 113
- Share commuting under 15 minutes74.9 percent plus or minus 27.0
- Commuting 30 minutes or more17 plus or minus 22
- Share commuting 30 minutes or more6.7 percent plus or minus 8.1
- Drove alone62.7 percent plus or minus 19.1
- Carpooled21.1 percent plus or minus 18.3
- Public transport0.0 percent
- Walked0.3 percent plus or minus 1.0
- Worked from home15.8 percent plus or minus 8.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Central
SBA loans in Central (7(a))
- Approvals1
- Gross approval$80,000
- Average approval$80,000
- Median approval$80,000
- Ninetieth percentile approval$80,000
- Largest approval$80,000
- Jobs supported0
- Jobs per approval0.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
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.
Gilpin County, not Central
Gilpin County context, not Central figures
These are Gilpin County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Central measurements.
- Establishments in Gilpin County144
- Employment at those establishments, Gilpin County4,513
- Covered employment, Gilpin County4,712
- Average annual pay, Gilpin County$67,931
- Average weekly wage, Gilpin County$1,306
- Housing units permitted, Gilpin County24
- Of those, single family, Gilpin County24
- County product, 2024, Gilpin County$1,018,137,000
- County product change over the prior year, Gilpin County8.9 percent
- Average income of an arriving household, Gilpin County$92,717
Every figure in this section is published for Gilpin County as a whole and is not a measurement of Central. 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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
Central questions, answered from the record.
How many people live in Central, Colorado?
525, in 310 households. Central city covers 2.78 square miles of land, which is 189 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Central in?
Central lies in more than one. By area it is 87.5 percent in Gilpin County, 12.5 percent in Clear Creek County. This page sits under Gilpin County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Central?
$61,622. The median owner-occupied home is valued at $366,300. Median gross rent is $1,451 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Central businesses?
1 7(a) approvals totalling $80,000, across 1 lenders, median approval $80,000. These count approvals to borrowers whose address is in Central, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Central borrowers get paid back?
No rate is published for Central. 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.
Are the county figures on this page Central figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Gilpin 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 Central.
Is zoning published for Central?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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