Lincoln County, Missouri: commercial real estate data.
Lincoln County, Missouri had an estimated 65,888 residents on July 1, 2024, up 10.6 percent since the 2020 census base of 59,577, across 627 square miles. County output reached $1.86 bn in 2024, 1,010 establishments operate here, and the SBA record carries 33 7(a) approvals worth $14.8 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 2020-202463,057
- Households22,817
- Average household size2.76
- Median household income$89,278
- Median age37.5
- Median gross rent$961 per month
- Median owner-occupied home value$244,300
- Home value to household income2.7 times
- Annual rent as a share of median income12.9 percent
- Adults 25 and over with a bachelor degree or higher18.4 percent
- Adults 25 and over with a graduate degree5.2 percent
- Adults 25 and over42,591
- Population under 1815,810
- Share under 1825.1 percent
- Population 65 and over9,348
- Share 65 and over14.8 percent
- Working age population, 18 to 6437,899
- Civilian labor force31,665
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over67.0 percent
- Rank by population among Missouri counties18th of 115
- Rank by population among US county-equivalents, Puerto Rico included865th of 3,222
Lincoln County is the 18th largest of 115 Missouri counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.1 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lincoln County
Is Lincoln County's population growing?
- Population, July 1, 202465,888
- Census 2020 base population59,577
- Population change since the 2020 census base10.59 percent
- Population change, 2023 to 20241,181
- Births, 2024808
- Deaths, 2024616
- Natural change, 2024192
- Net domestic migration, 2024938
- Net international migration, 202449
- Total net migration, 2024987
- Cumulative net domestic migration, 2021 to 20245,125
- Rank by growth among US county-equivalents133rd of 3,144
The county has grown 10.59 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.
Lincoln County
Where are people moving to Lincoln County from?
- Tax returns filed by households arriving2,163
- People arriving, from those returns4,018
- Tax returns filed by households leaving1,533
- Net household movement630
- Adjusted gross income arriving$148.8 m
- Net adjusted gross income movement$64.5 m
- Average income of an arriving household$68,815
- Average income of a leaving household$55,000
- Largest single originSt. Charles County (1,048 households)
- Largest single destinationSt. Charles County (583 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Charles County | 1,048 | 1,927 | $80.2 m |
| St. Louis County | 257 | 459 | $17.4 m |
| Warren County | 124 | 245 | $6.0 m |
| Pike County | 55 | 111 | $3.1 m |
| Jefferson County | 41 | 77 | $2.8 m |
| Franklin County | 40 | 83 | $2.0 m |
| St. Louis city | 28 | 33 | $1.6 m |
| Madison County | 20 | 34 | $1.2 m |
Households arriving report $13,815 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 St. Charles 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$1.86 bn
- County GDP, 2023$1.74 bn
- GDP change, 2023 to 20247.0 percent
- GDP change over five years39.7 percent
- Rank by GDP among the Missouri areas BEA publishes30th of 115
- Rank by GDP among the US county areas BEA publishes1348th of 3,127
- GDP per resident$29,484
Output grew 7.0 percent in the latest year and 39.7 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 average12,799
- Establishments reporting1,204
- Average annual pay$53,839
- Average weekly wage$1,035
- Manufacturing, employment1,989
- Manufacturing, average annual pay$70,145
- Retail trade, employment1,719
- Retail trade, average annual pay$36,743
- Construction, employment1,242
- Construction, average annual pay$74,603
- Health care and social assistance, employment1,136
- Health care and social assistance, average annual pay$52,220
- Accommodation and food services, employment1,099
- Transportation and warehousing, employment758
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,989 | 54 | $70,145 |
| Retail trade | 1,719 | 152 | $36,743 |
| Construction | 1,242 | 210 | $74,603 |
| Health care and social assistance | 1,136 | 198 | $52,220 |
| Accommodation and food services | 1,099 | 74 | $20,627 |
| Transportation and warehousing | 758 | 44 | $62,601 |
| Administrative and support and waste management services | 394 | 65 | $44,843 |
| Finance and insurance | 367 | 60 | $69,956 |
Manufacturing is the largest private sector at 1,989 jobs, 15.5 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 industries1,010
- Employment at those establishments10,229
- Annual payroll$548.8 m
- Establishments per 1,000 residents16.0
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.
Lincoln County
Building permits in Lincoln County
- Housing units authorized by permit, 2024151
- Declared construction value permitted$24.1 m
- Single family units authorized121
- Multifamily units authorized30
- Multifamily share of units19.9 percent
- Average declared value per unit$159,821
- Units authorized per 1,000 households6.6
Single-family homes are 80.1 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 recorded33
- 7(a) gross approval dollars$14.8 m
- Average 7(a) approval$449,461
- Median 7(a) approval$150,000
- 10th percentile approval$21,000
- 90th percentile approval$1,206,500
- Largest single approval$3,100,000
- Jobs reported supported, 7(a)264
- Jobs per approval8.0
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals27
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.2 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter25
- Franchise loans1
- Franchise share of approvals3.0 percent
- Leading industry by approval countResidential Remodelers (3)
- Most active lenderU.S. Bank, National Association (6)
- 504 approvals recorded4
- 504 gross approval dollars$2.4 m
- Average 504 approval$588,000
- Median 504 approval$235,500
- Distinct CDCs active4
- 504 jobs per approval9.3
- 504 jobs per million dollars approved15.7
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$17.2 m
The average approval of $449,461 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 21.2 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.
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 recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Cancelled4
- Status: Exempt from disclosure20
- Status: Committed, not yet disbursed2
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.
Lincoln County
SBA lending by place in Lincoln County
- Borrower cities with recorded lending8
- Troy, approvals16
- Moscow Mills, approvals6
- Winfield, approvals4
- Elsberry, approvals3
- Wright City, approvals1
- Old Monroe, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Troy | 16 | $9,002,800 |
| Moscow Mills | 6 | $315,900 |
| Winfield | 4 | $588,200 |
| Elsberry | 3 | $1,424,300 |
| Wright City | 1 | $2,000,000 |
| Old Monroe | 1 | $726,000 |
| Foley | 1 | $725,000 |
| Silex | 1 | $50,000 |
Troy accounts for 16 approvals against 6 in Moscow Mills. 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.
Lincoln County
How large is Lincoln County?
- Land area627 sq mi
- Rank by land area among Missouri counties48th of 115
- Width, east to west32.2 mi
- Height, north to south24.6 mi
- Geographies sharing a boundary5
- Residents per square mile of land101
- Establishments per square mile1.61
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 290869
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book10
- Of those, participating in the NFIP10
- 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 8
- Communities carrying a CRS class1
- Radon levels in Lincoln 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 Lincoln County (community 290869), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Lincoln 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 8, 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 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 2020-202463,057
- Households22,817
- Average household size2.76
- Median household income$89,278
- Median age37.5
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Missouri?
The Census Bureau estimates 65,888 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 63,057, in 22,817 households, ranking 18th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lincoln County's population growing?
The population has grown 10.59 percent since the 2020 census base of 59,577, to 65,888 on July 1, 2024. In 2024 there were 808 births against 616 deaths, with net migration of 987. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$89,278. The median owner-occupied home is valued at $244,300, which is 2.7 times income, and median gross rent is $961 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lincoln County?
1,010 establishments, employing 10,229 people with an annual payroll of $548.8 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?
Manufacturing is the largest private sector at 1,989 jobs, 15.5 percent of covered employment. Covered employment averages 12,799 jobs at an average annual pay of $53,839, or $1,035 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?
33 7(a) approvals totaling $14.8 m since FY2020, across 20 lenders, with a median approval of $150,000, plus 4 504 approvals worth $2.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lincoln County?
151 housing units were authorized by permit in 2024, with a declared construction value of $24.1 m. Multifamily was 19.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lincoln 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 Lincoln County come from?
The largest single origin is St. Charles County, with 1,048 households. Arriving households report an average income of $68,815 against $55,000 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.
13 Census places lie wholly or partly in Lincoln County. All 13 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 |
|---|---|---|---|---|
| Troy | city | 13,947 | 16 | Wholly in this county |
| Moscow Mills | city | 3,823 | 6 | Wholly in this county |
| Elsberry | city | 1,870 | 3 | Wholly in this county |
| Winfield | city | 1,745 | 4 | Wholly in this county |
| Hawk Point | city | 736 | None recorded | Wholly in this county |
| Silex | city | 355 | 1 | Wholly in this county |
| Chain of Rocks | village | 255 | None recorded | Wholly in this county |
| Old Monroe | city | 236 | 1 | Wholly in this county |
| Fountain N' Lakes | village | 162 | None recorded | Wholly in this county |
| Foley | city | 140 | 1 | Wholly in this county |
| Whiteside | village | 108 | None recorded | Wholly in this county |
| Truxton | village | 28 | None recorded | Wholly in this county |
| Cave | town | 1 | None recorded | Wholly in this county |
A further 1 of the county's 33 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lincoln County, the largest being Wright City (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