Routt County, Colorado: commercial real estate data.
Routt County, Colorado had an estimated 25,243 residents on July 1, 2024, up 1.7 percent since the 2020 census base of 24,831, across 2,362 square miles. County output reached $2.96 bn in 2024, 1,860 establishments operate here, and the SBA record carries 51 7(a) approvals worth $23.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Routt County
How many people live in Routt County
- Population, American Community Survey 2020-202425,084
- Households11,281
- Average household size2.22
- Median household income$106,489
- Median age43.4
- Median gross rent$1,917 per month
- Median owner-occupied home value$854,700
- Home value to household income8.0 times
- Annual rent as a share of median income21.6 percent
- Adults 25 and over with a bachelor degree or higher54.2 percent
- Adults 25 and over with a graduate degree20.7 percent
- Adults 25 and over19,040
- Population under 184,312
- Share under 1817.2 percent
- Population 65 and over4,637
- Share 65 and over18.5 percent
- Working age population, 18 to 6416,135
- Civilian labor force14,941
- Unemployment rate2.4 percent
- Labor force participation, adults 18 and over71.9 percent
- Rank by population among Colorado counties23rd of 64
- Rank by population among US county-equivalents, Puerto Rico included1659th of 3,222
Routt County is the 23rd largest of 64 Colorado counties by population. A median home costs 8.0 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 18.5 percent against 17.2 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.
Routt County
Is Routt County's population growing?
- Population, July 1, 202425,243
- Census 2020 base population24,831
- Population change since the 2020 census base1.66 percent
- Population change, 2023 to 202489
- Births, 2024205
- Deaths, 2024151
- Natural change, 202454
- Net domestic migration, 2024-74
- Net international migration, 2024103
- Total net migration, 202429
- Cumulative net domestic migration, 2021 to 2024-95
- Rank by growth among US county-equivalents1282nd of 3,144
The county has grown 1.66 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.
Routt County
Where are people moving to Routt County from?
- Tax returns filed by households arriving1,148
- People arriving, from those returns1,836
- Tax returns filed by households leaving1,157
- Net household movement-9
- Adjusted gross income arriving$244.4 m
- Net adjusted gross income movement$127.3 m
- Average income of an arriving household$212,935
- Average income of a leaving household$101,283
- Largest single originDenver County (100 households)
- Largest single destinationMoffat County (85 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Denver County | 100 | 146 | $16.2 m |
| Jefferson County | 62 | 113 | $9.3 m |
| Larimer County | 58 | 79 | $4.9 m |
| Boulder County | 51 | 110 | $8.9 m |
| Moffat County | 34 | 54 | $1.6 m |
| Arapahoe County | 30 | 41 | $3.9 m |
| El Paso County | 26 | 34 | $2.5 m |
| Douglas County | 25 | 54 | $5.0 m |
Households arriving report $111,652 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 Denver 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.
Routt County
What is the Routt County economy?
- County GDP, 2024$2.96 bn
- County GDP, 2023$2.81 bn
- GDP change, 2023 to 20245.5 percent
- GDP change over five years46.5 percent
- Rank by GDP among the Colorado areas BEA publishes18th of 64
- Rank by GDP among the US county areas BEA publishes991st of 3,127
- GDP per resident$118,036
Output grew 5.5 percent in the latest year and 46.5 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.
Routt County
Employment by industry in Routt County
- Covered employment, annual average16,768
- Establishments reporting2,126
- Average annual pay$60,252
- Average weekly wage$1,159
- Accommodation and food services, employment2,735
- Accommodation and food services, average annual pay$38,605
- Retail trade, employment1,835
- Retail trade, average annual pay$45,085
- Arts, entertainment and recreation, employment1,527
- Arts, entertainment and recreation, average annual pay$40,401
- Construction, employment1,502
- Construction, average annual pay$70,752
- Health care and social assistance, employment1,200
- Administrative and support and waste management services, employment877
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 2,735 | 165 | $38,605 |
| Retail trade | 1,835 | 182 | $45,085 |
| Arts, entertainment and recreation | 1,527 | 65 | $40,401 |
| Construction | 1,502 | 356 | $70,752 |
| Health care and social assistance | 1,200 | 144 | $65,218 |
| Administrative and support and waste management services | 877 | 122 | $50,979 |
| Professional, scientific and technical services | 744 | 356 | $93,114 |
| Real estate and rental and leasing | 674 | 172 | $66,927 |
Accommodation and food services is the largest private sector at 2,735 jobs, 16.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Routt County
How many businesses are in Routt County?
- Establishments, all industries1,860
- Employment at those establishments15,390
- Annual payroll$749.8 m
- Establishments per 1,000 residents74.2
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.
Routt County
Building permits in Routt County
- Housing units authorized by permit, 2024597
- Declared construction value permitted$432.7 m
- Single family units authorized167
- Multifamily units authorized430
- Multifamily share of units72.0 percent
- Average declared value per unit$724,832
- Units authorized per 1,000 households52.9
Multifamily is 72.0 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Routt County
SBA loans in Routt County (7(a) and 504)
- 7(a) approvals recorded51
- 7(a) gross approval dollars$23.4 m
- Average 7(a) approval$458,039
- Median 7(a) approval$150,000
- 10th percentile approval$25,000
- 90th percentile approval$960,900
- Largest single approval$4,400,000
- Jobs reported supported, 7(a)307
- Jobs per approval6.0
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals35
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer7.8 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter47
- Franchise loans1
- Franchise share of approvals2.0 percent
- Leading industry by approval countFull-Service Restaurants (5)
- Most active lenderZions Bank, A Division of (12)
- 504 approvals recorded36
- 504 gross approval dollars$12.7 m
- Average 504 approval$353,306
- Median 504 approval$310,500
- Distinct CDCs active2
- 504 jobs per approval2.6
- 504 jobs per million dollars approved7.4
- Most active CDCB:Side Capital (34)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$36.1 m
The average approval of $458,039 sits well above the median of $150,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.8 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.
Routt County
SBA loan default and charge-off rates in Routt County
Do SBA loans in Routt County get paid back?
- Loans with a final outcome recorded7
- Paid in full5
- Charged off2
- Status: Paid in full5
- Status: Exempt from disclosure34
- Status: Charged off2
- Status: Cancelled5
- Status: Committed, not yet disbursed5
Only 7 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.
Routt County
SBA lending by place in Routt County
- Borrower cities with recorded lending4
- Steamboat Springs, approvals43
- Hayden, approvals5
- Oak Creek, approvals2
- Yampa, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Steamboat Springs | 43 | $22,593,600 |
| Hayden | 5 | $302,400 |
| Oak Creek | 2 | $325,000 |
| Yampa | 1 | $139,000 |
Steamboat Springs accounts for 43 approvals against 5 in Hayden. 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.
Routt County
How large is Routt County?
- Land area2,362 sq mi
- Rank by land area among Colorado counties15th of 64
- Width, east to west42.7 mi
- Height, north to south74.9 mi
- Geographies sharing a boundary7
- Residents per square mile of land11
- Establishments per square mile0.79
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.
Routt County
Flood risk in Routt County
- Participation of the county's own NFIP community Routt County, unincorporated areasParticipating, community 080156
- Communities in the county in the NFIP Community Status Book5
- Of those, participating in the NFIP5
- 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 7
- Communities carrying a CRS class1
- Radon levels in Routt County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Routt County (community 080156), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Routt County in radon zone 2, a predicted average indoor radon screening level from 2 to 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 7, 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 Routt 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 Routt County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,084
- Households11,281
- Average household size2.22
- Median household income$106,489
- Median age43.4
Common questions
Routt County questions, answered from the record.
How many people live in Routt County, Colorado?
The Census Bureau estimates 25,243 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,084, in 11,281 households, ranking 23rd of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Routt County's population growing?
The population has grown 1.66 percent since the 2020 census base of 24,831, to 25,243 on July 1, 2024. In 2024 there were 205 births against 151 deaths, with net migration of 29. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Routt County?
$106,489. The median owner-occupied home is valued at $854,700, which is 8.0 times income, and median gross rent is $1,917 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Routt County?
1,860 establishments, employing 15,390 people with an annual payroll of $749.8 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 Routt County?
Accommodation and food services is the largest private sector at 2,735 jobs, 16.3 percent of covered employment. Covered employment averages 16,768 jobs at an average annual pay of $60,252, or $1,159 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Routt County?
51 7(a) approvals totaling $23.4 m since FY2020, across 15 lenders, with a median approval of $150,000, plus 36 504 approvals worth $12.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Routt County?
597 housing units were authorized by permit in 2024, with a declared construction value of $432.7 m. Multifamily was 72.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Routt County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 Routt County come from?
The largest single origin is Denver County, with 100 households. Arriving households report an average income of $212,935 against $101,283 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Routt 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 Routt 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.
Routt County
Cities and places in Routt.
5 Census places lie wholly or partly in Routt County. All 5 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 |
|---|---|---|---|---|
| Steamboat Springs | city | 13,433 | 43 | Wholly in this county |
| Hayden | town | 2,057 | 5 | Wholly in this county |
| Oak Creek | town | 700 | 2 | Wholly in this county |
| Phippsburg | CDP | 390 | None recorded | Wholly in this county |
| Yampa | town | 296 | 1 | Wholly in this county |