Larimer County, Colorado: commercial real estate data.
Larimer County, Colorado had an estimated 374,574 residents on July 1, 2024, up 4.3 percent since the 2020 census base of 359,065, across 2,596 square miles. County output reached $28.48 bn in 2024, 11,764 establishments operate here, and the SBA record carries 573 7(a) approvals worth $400.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Larimer County
How many people live in Larimer County
- Population, American Community Survey 2020-2024367,368
- Households154,232
- Average household size2.38
- Median household income$93,765
- Median age36.8
- Median gross rent$1,716 per month
- Median owner-occupied home value$569,100
- Home value to household income6.1 times
- Annual rent as a share of median income22.0 percent
- Adults 25 and over with a bachelor degree or higher53.0 percent
- Adults 25 and over with a graduate degree21.5 percent
- Adults 25 and over247,787
- Population under 1867,339
- Share under 1818.3 percent
- Population 65 and over63,764
- Share 65 and over17.4 percent
- Working age population, 18 to 64236,265
- Civilian labor force205,963
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over68.6 percent
- Rank by population among Colorado counties7th of 64
- Rank by population among US county-equivalents, Puerto Rico included205th of 3,222
Larimer County is the 7th largest of 64 Colorado counties by population. A median home costs 6.1 times median household income, which is severely unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 18.3 percent against 17.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Larimer County
Is Larimer County's population growing?
- Population, July 1, 2024374,574
- Census 2020 base population359,065
- Population change since the 2020 census base4.32 percent
- Population change, 2023 to 20243,044
- Births, 20243,097
- Deaths, 20242,701
- Natural change, 2024396
- Net domestic migration, 20241,412
- Net international migration, 20241,220
- Total net migration, 20242,632
- Cumulative net domestic migration, 2021 to 20249,934
- Rank by growth among US county-equivalents638th of 3,144
The county has grown 4.32 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Larimer County
Where are people moving to Larimer County from?
- Tax returns filed by households arriving15,191
- People arriving, from those returns23,941
- Tax returns filed by households leaving14,936
- Net household movement255
- Adjusted gross income arriving$1.25 bn
- Net adjusted gross income movement$149.3 m
- Average income of an arriving household$82,449
- Average income of a leaving household$73,863
- Largest single originWeld County (2,039 households)
- Largest single destinationWeld County (3,145 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Weld County | 2,039 | 3,426 | $144.5 m |
| Boulder County | 1,117 | 1,794 | $98.2 m |
| Denver County | 666 | 899 | $56.6 m |
| Jefferson County | 580 | 884 | $49.9 m |
| Adams County | 534 | 890 | $40.9 m |
| Arapahoe County | 435 | 628 | $37.2 m |
| El Paso County | 321 | 502 | $17.9 m |
| Douglas County | 275 | 427 | $26.2 m |
Households arriving report $8,586 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 Weld 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.
Larimer County
What is the Larimer County economy?
- County GDP, 2024$28.48 bn
- County GDP, 2023$27.41 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years32.4 percent
- Rank by GDP among the Colorado areas BEA publishes9th of 64
- Rank by GDP among the US county areas BEA publishes204th of 3,127
- GDP per resident$77,534
Output grew 3.9 percent in the latest year and 32.4 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.
Larimer County
Employment by industry in Larimer County
- Covered employment, annual average175,265
- Establishments reporting15,314
- Average annual pay$69,912
- Average weekly wage$1,344
- Accommodation and food services, employment19,168
- Accommodation and food services, average annual pay$29,279
- Retail trade, employment19,158
- Retail trade, average annual pay$39,989
- Health care and social assistance, employment18,126
- Health care and social assistance, average annual pay$63,012
- Manufacturing, employment14,721
- Manufacturing, average annual pay$121,360
- Professional, scientific and technical services, employment13,399
- Construction, employment11,069
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 19,168 | 979 | $29,279 |
| Retail trade | 19,158 | 1,198 | $39,989 |
| Health care and social assistance | 18,126 | 1,569 | $63,012 |
| Manufacturing | 14,721 | 536 | $121,360 |
| Professional, scientific and technical services | 13,399 | 3,383 | $124,674 |
| Construction | 11,069 | 1,436 | $74,351 |
| Administrative and support and waste management services | 7,530 | 810 | $55,597 |
| Wholesale trade | 5,917 | 840 | $108,191 |
Accommodation and food services is the largest private sector at 19,168 jobs, 10.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Larimer County
How many businesses are in Larimer County?
- Establishments, all industries11,764
- Employment at those establishments139,517
- Annual payroll$8.77 bn
- Establishments per 1,000 residents32.0
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.
Larimer County
Building permits in Larimer County
- Housing units authorized by permit, 20241,786
- Declared construction value permitted$594.5 m
- Single family units authorized1,370
- Multifamily units authorized416
- Multifamily share of units23.3 percent
- Average declared value per unit$332,894
- Units authorized per 1,000 households11.6
Single-family homes are 76.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Larimer County
SBA loans in Larimer County (7(a) and 504)
- 7(a) approvals recorded573
- 7(a) gross approval dollars$400.9 m
- Average 7(a) approval$699,663
- Median 7(a) approval$300,000
- 10th percentile approval$30,400
- 90th percentile approval$1,853,600
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)6,497
- Jobs per approval11.3
- Distinct 7(a) lenders active97
- Distinct industries receiving approvals193
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.2 percent
- Loans on real estate terms87
- Loans on working capital terms, 120 months or shorter455
- Franchise loans93
- Franchise share of approvals16.2 percent
- Leading industry by approval countLimited-Service Restaurants (26)
- Most active lenderThe Huntington National Bank (62)
- 504 approvals recorded396
- 504 gross approval dollars$260.0 m
- Average 504 approval$656,520
- Median 504 approval$449,500
- Distinct CDCs active6
- 504 jobs per approval6.9
- 504 jobs per million dollars approved10.6
- Most active CDCB:Side Capital (341)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$660.9 m
The average approval of $699,663 sits well above the median of $300,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.2 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Larimer County
SBA loan default and charge-off rates in Larimer County
Do SBA loans in Larimer County get paid back?
- Loans with a final outcome recorded118
- Paid in full106
- Charged off12
- Charge-off rate on resolved loans10.2 percent
- Status: Paid in full106
- Status: Exempt from disclosure369
- Status: Cancelled58
- Status: Charged off12
- Status: Committed, not yet disbursed28
Of the 118 loans that have reached a final outcome, 10.2 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Larimer County
SBA lending by place in Larimer County
- Borrower cities with recorded lending16
- Fort Collins, approvals277
- Loveland, approvals180
- Berthoud, approvals35
- Estes Park, approvals24
- Timnath, approvals16
- Windsor, approvals12
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Fort Collins | 277 | $159,762,600 |
| Loveland | 180 | $147,847,900 |
| Berthoud | 35 | $34,360,500 |
| Estes Park | 24 | $12,515,400 |
| Timnath | 16 | $15,628,600 |
| Windsor | 12 | $12,331,300 |
| Johnstown | 10 | $8,436,400 |
| Wellington | 9 | $6,843,000 |
| 8 other borrower cities | 10 | $3,181,100 |
Fort Collins accounts for 277 approvals against 180 in Loveland. 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.
Larimer County
How large is Larimer County?
- Land area2,596 sq mi
- Rank by land area among Colorado counties9th of 64
- Width, east to west65.3 mi
- Height, north to south50.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land142
- Establishments per square mile4.53
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.
Larimer County
Flood risk in Larimer County
- Participation of the county's own NFIP community Larimer County, unincorporated areasParticipating, community 080101
- Community Rating System class of the county's own communityClass 10
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP9
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 2
- Communities carrying a CRS class3
- Radon levels in Larimer 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 Larimer County (community 080101), participates in the National Flood Insurance Program and carries Community Rating System class 10, a flood insurance premium discount for policies written there. The EPA places Larimer 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. The best Community Rating System class among the county's communities is 2, which carries a flood insurance premium discount for policies written in that community. 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 Larimer 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 Larimer County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024367,368
- Households154,232
- Average household size2.38
- Median household income$93,765
- Median age36.8
Common questions
Larimer County questions, answered from the record.
How many people live in Larimer County, Colorado?
The Census Bureau estimates 374,574 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 367,368, in 154,232 households, ranking 7th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Larimer County's population growing?
The population has grown 4.32 percent since the 2020 census base of 359,065, to 374,574 on July 1, 2024. In 2024 there were 3,097 births against 2,701 deaths, with net migration of 2,632. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Larimer County?
$93,765. The median owner-occupied home is valued at $569,100, which is 6.1 times income, and median gross rent is $1,716 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Larimer County?
11,764 establishments, employing 139,517 people with an annual payroll of $8.77 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Larimer County?
Accommodation and food services is the largest private sector at 19,168 jobs, 10.9 percent of covered employment. Covered employment averages 175,265 jobs at an average annual pay of $69,912, or $1,344 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Larimer County?
573 7(a) approvals totaling $400.9 m since FY2020, across 97 lenders, with a median approval of $300,000, plus 396 504 approvals worth $260.0 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Larimer County get paid back?
Of the 118 loans that have reached a final outcome, 106 were paid in full and 12 charged off, a charge-off rate of 10.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Larimer County?
1,786 housing units were authorized by permit in 2024, with a declared construction value of $594.5 m. Multifamily was 23.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Larimer 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 Larimer County come from?
The largest single origin is Weld County, with 2,039 households. Arriving households report an average income of $82,449 against $73,863 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Larimer 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 Larimer 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.
Larimer County
Cities and places in Larimer.
10 Census places lie wholly or partly in Larimer County. All 10 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 |
|---|---|---|---|---|
| Fort Collins | city | 170,229 | 277 | Wholly in this county |
| Loveland | city | 78,410 | 180 | Wholly in this county |
| Windsor | town | 37,914 | 12 | 21.8 percent here, 78.2 percent Weld County |
| Johnstown | town | 18,883 | 10 | 36.3 percent here, 63.7 percent Weld County |
| Berthoud | town | 12,411 | 35 | 55.0 percent here, 45.0 percent Weld County |
| Wellington | town | 11,798 | 9 | Wholly in this county |
| Timnath | town | 8,941 | 16 | 86.6 percent here, 13.4 percent Weld County |
| Estes Park | town | 5,844 | 24 | Wholly in this county |
| Laporte | CDP | 1,771 | 1 | Wholly in this county |
| Red Feather Lakes | CDP | 365 | None recorded | Wholly in this county |
A further 9 of the county's 573 SBA 7(a) approvals are to borrowers in cities that match no Census place in Larimer County, the largest being Livermore (3), Fort Collinds (1), Fort Myers (1). 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.
Nearby