HomeColoradoGilpin CountyCentral
Central, Colorado: commercial real estate data.
Central 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 since FY2020.
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 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
- 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
Counted by borrower city: approvals to borrowers whose address is in Central, 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.
Central
Flood risk in Central
- NFIP communityCity of Central City
- NFIP community number080077
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/06/22
The City of Central City participates in the National Flood Insurance Program as community 080077 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.
Gilpin County, not Central
Gilpin County context, not Central figures
- Establishments in Gilpin County144
- Covered employment, Gilpin County4,712
- Average annual pay, Gilpin County$67,931
- Housing units permitted, Gilpin County24
Every figure in this section is published for Gilpin County as a whole and is not a measurement of Central.
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
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 totaling $80,000 since FY2020, 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 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 Central in the National Flood Insurance Program?
Yes. Central appears in the FEMA Community Status Book as Central City, city of, community 080077, 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 Central figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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