Lincoln County, Colorado: commercial real estate data.
Lincoln County, Colorado had an estimated 5,598 residents on July 1, 2024, down 1.3 percent since the 2020 census base of 5,673, across 2,578 square miles. County output reached $501.0 m in 2024, 153 establishments operate here, and the SBA record carries 13 7(a) approvals worth $17.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lincoln County
How many people live in Lincoln County
- Population, American Community Survey 2020-20245,550
- Households1,971
- Average household size2.82
- Median household income$62,861
- Median age40.9
- Median gross rent$868 per month
- Median owner-occupied home value$246,500
- Home value to household income3.9 times
- Annual rent as a share of median income16.6 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree4.2 percent
- Adults 25 and over4,184
- Population under 18964
- Share under 1817.4 percent
- Population 65 and over1,014
- Share 65 and over18.3 percent
- Working age population, 18 to 643,572
- Civilian labor force2,148
- Unemployment rate1.4 percent
- Labor force participation, adults 18 and over46.8 percent
- Rank by population among Colorado counties49th of 64
- Rank by population among US county-equivalents, Puerto Rico included2847th of 3,222
Lincoln County is the 49th largest of 64 Colorado counties by population. A median home costs 3.9 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 18.3 percent against 17.4 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.
Lincoln County
Is Lincoln County's population growing?
- Population, July 1, 20245,598
- Census 2020 base population5,673
- Population change since the 2020 census base-1.32 percent
- Population change, 2023 to 2024100
- Births, 202458
- Deaths, 202461
- Natural change, 2024-3
- Net domestic migration, 2024100
- Net international migration, 20241
- Total net migration, 2024101
- Cumulative net domestic migration, 2021 to 2024-21
- Rank by growth among US county-equivalents2295th of 3,144
The county has lost 1.32 percent of its population 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.
Lincoln County
Where are people moving to Lincoln County from?
- Tax returns filed by households arriving144
- People arriving, from those returns271
- Tax returns filed by households leaving212
- Net household movement-68
- Adjusted gross income arriving$6.5 m
- Net adjusted gross income movement$-535,000
- Average income of an arriving household$45,389
- Average income of a leaving household$33,354
- Largest single originEl Paso County (26 households)
- Largest single destinationEl Paso County (24 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| El Paso County | 26 | 49 | $1.0 m |
Households arriving report $12,035 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 El Paso 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.
Lincoln County
What is the Lincoln County economy?
- County GDP, 2024$501.0 m
- County GDP, 2023$526.0 m
- GDP change, 2023 to 2024-4.7 percent
- GDP change over five years27.7 percent
- Rank by GDP among the Colorado areas BEA publishes45th of 64
- Rank by GDP among the US county areas BEA publishes2406th of 3,127
- GDP per resident$90,269
Output grew -4.7 percent in the latest year and 27.7 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.
Lincoln County
Employment by industry in Lincoln County
- Covered employment, annual average2,212
- Establishments reporting174
- Average annual pay$52,392
- Average weekly wage$1,008
- Retail trade, employment318
- Retail trade, average annual pay$34,388
- Health care and social assistance, employment100
- Health care and social assistance, average annual pay$53,304
- Finance and insurance, employment67
- Finance and insurance, average annual pay$58,820
- Utilities, employment62
- Utilities, average annual pay$116,329
- Other services, except public administration, employment42
- Information, employment36
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 318 | 28 | $34,388 |
| Health care and social assistance | 100 | 12 | $53,304 |
| Finance and insurance | 67 | 8 | $58,820 |
| Utilities | 62 | 4 | $116,329 |
| Other services, except public administration | 42 | 8 | $44,578 |
| Information | 36 | 5 | $73,126 |
| Professional, scientific and technical services | 29 | 12 | $36,590 |
| Wholesale trade | 25 | 6 | $67,392 |
Retail trade is the largest private sector at 318 jobs, 14.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lincoln County
How many businesses are in Lincoln County?
- Establishments, all industries153
- Employment at those establishments1,351
- Annual payroll$61.8 m
- Establishments per 1,000 residents27.6
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.
Lincoln County
Building permits in Lincoln County
- Housing units authorized by permit, 202410
- Declared construction value permitted$1.8 m
- Single family units authorized8
- Multifamily units authorized2
- Multifamily share of units20.0 percent
- Average declared value per unit$175,583
- Units authorized per 1,000 households5.1
Single-family homes are 80.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Lincoln County
SBA loans in Lincoln County (7(a) and 504)
- 7(a) approvals recorded13
- 7(a) gross approval dollars$17.0 m
- Average 7(a) approval$1,310,892
- Median 7(a) approval$1,074,000
- Largest single approval$3,645,000
- Jobs reported supported, 7(a)93
- Jobs per approval7.2
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals8
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer92.3 percent
- Loans on real estate terms12
- Loans on working capital terms, 120 months or shorter1
- Franchise loans4
- Franchise share of approvals30.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (5)
- 504 approvals recorded3
- 504 gross approval dollars$3.6 m
- Average 504 approval$1,208,000
- Median 504 approval$1,336,000
- Distinct CDCs active1
- 504 jobs per approval6.0
- 504 jobs per million dollars approved5.0
- Most active CDCB:Side Capital (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.7 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.
Lincoln County
SBA loan default and charge-off rates in Lincoln County
Do SBA loans in Lincoln County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure13
Only 0 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.
Lincoln County
SBA lending by place in Lincoln County
- Borrower cities with recorded lending2
- Limon, approvals12
- Hugo, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Limon | 12 | $16,792,700 |
| Hugo | 1 | $248,900 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lincoln County
How large is Lincoln County?
- Land area2,578 sq mi
- Rank by land area among Colorado counties10th of 64
- Width, east to west48.4 mi
- Height, north to south72.5 mi
- Geographies sharing a boundary8
- Residents per square mile of land2
- Establishments per square mile0.06
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.
Lincoln County
Flood risk in Lincoln County
- Participation of the county's own NFIP community Lincoln County, unincorporated areasParticipating, community 080283
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
- Radon levels in Lincoln 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 Lincoln County (community 080283), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Lincoln 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. 66.7 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 Lincoln 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 Lincoln County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20245,550
- Households1,971
- Average household size2.82
- Median household income$62,861
- Median age40.9
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Colorado?
The Census Bureau estimates 5,598 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 5,550, in 1,971 households, ranking 49th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lincoln County's population growing?
The population has fallen 1.32 percent since the 2020 census base of 5,673, to 5,598 on July 1, 2024. In 2024 there were 58 births against 61 deaths, with net migration of 101. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$62,861. The median owner-occupied home is valued at $246,500, which is 3.9 times income, and median gross rent is $868 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lincoln County?
153 establishments, employing 1,351 people with an annual payroll of $61.8 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 Lincoln County?
Retail trade is the largest private sector at 318 jobs, 14.4 percent of covered employment. Covered employment averages 2,212 jobs at an average annual pay of $52,392, or $1,008 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lincoln County?
13 7(a) approvals totaling $17.0 m since FY2020, across 8 lenders, with a median approval of $1,074,000, plus 3 504 approvals worth $3.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lincoln County?
10 housing units were authorized by permit in 2024, with a declared construction value of $1.8 m. Multifamily was 20.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lincoln 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 Lincoln County come from?
The largest single origin is El Paso County, with 26 households. Arriving households report an average income of $45,389 against $33,354 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lincoln 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 Lincoln 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.
Lincoln County
Cities and places in Lincoln.
4 Census places lie wholly or partly in Lincoln 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 |
|---|---|---|---|---|
| Limon | town | 1,678 | 12 | Wholly in this county |
| Hugo | town | 970 | 1 | Wholly in this county |
| Arriba | town | 307 | None recorded | Wholly in this county |
| Genoa | town | 190 | None recorded | Wholly in this county |