HomeMontanaLincoln CountyLibby
Libby, Montana: commercial real estate data.
Libby is a Census city of 3,042 people across 1.84 square miles of land, in Lincoln County. Median household income is $34,143, 57.0 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $3.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Libby
What Libby is
- Census place typecity
- Land area1.84 sq mi
- Water area0.04 sq mi
- Population per square mile of land1,651
- County holding the largest share of its areaLincoln County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Libby
How many people live in Libby
- Population3,042
- Median age51.0
- Population under 18517 plus or minus 165
- Share under 1817.0 percent plus or minus 5.4
- Population 65 and over967 plus or minus 204
- Share 65 and over31.8 percent plus or minus 6.7
- Households1,512
- Family households741
- Share of households that are families49.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Libby
Income and work in Libby
- Median household income$34,143 plus or minus $12,347
- Per capita income$25,016
- Civilian labor force1,007 plus or minus 221
- Employed973 plus or minus 216
- Unemployed34 plus or minus 50
- Unemployment rate3.4 percent plus or minus 4.9
- Adults 25 and over2,386
- Adults 25 and over with a high school diploma or higher90.4 percent
- Adults 25 and over with a bachelor degree or higher19.4 percent plus or minus 6.9
- Adults 25 and over with a graduate degree7.1 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Libby
Housing in Libby
- Housing units1,571
- Occupied units1,512
- Vacant units59 plus or minus 59
- Vacancy rate3.8 percent plus or minus 3.7
- Owner occupied862
- Renter occupied650 plus or minus 141
- Ownership rate57.0 percent
- Median owner-occupied home value$257,400
- Median gross rent, monthly$672
- Annual rent as a share of median income23.6 percent plus or minus 9.3
- Single family units1,030
- Share single family65.6 percent
- Units in buildings of two or more507 plus or minus 183
- Share in buildings of two or more32.3 percent plus or minus 11.3
- Mobile homes34 plus or minus 41
- Median year structure built1959
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Libby
How Libby gets to work
- Workers 16 and over who commute855 plus or minus 199
- Commuting under 15 minutes679 plus or minus 191
- Share commuting under 15 minutes79.4 percent
- Commuting 30 minutes or more33 plus or minus 35
- Share commuting 30 minutes or more3.9 percent plus or minus 4.0
- Drove alone73.4 percent
- Carpooled10.8 percent plus or minus 8.4
- Public transport0.0 percent
- Walked2.7 percent plus or minus 3.2
- Worked from home11.1 percent plus or minus 9.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Libby
SBA loans in Libby (7(a))
- Approvals5
- Gross approval$3,646,100
- Average approval$729,220
- Median approval$536,100
- Largest approval$2,145,000
- Jobs supported13
- Jobs per approval2.6
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more40.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Libby, in any county, FY2020 to FY2026. Only 2 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.
Libby
Flood risk in Libby
- NFIP communityCity of Libby
- NFIP community number300042
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/06
The City of Libby participates in the National Flood Insurance Program as community 300042 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.
Lincoln County, not Libby
Lincoln County context, not Libby figures
- Establishments in Lincoln County671
- Covered employment, Lincoln County6,260
- Average annual pay, Lincoln County$47,582
- Housing units permitted, Lincoln County17
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Libby.
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
Libby questions, answered from the record.
How many people live in Libby, Montana?
3,042, in 1,512 households. Libby city covers 1.84 square miles of land, which is 1,651 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Libby in?
Lincoln County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Libby?
$34,143. The median owner-occupied home is valued at $257,400. Median gross rent is $672 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Libby businesses?
5 7(a) approvals totaling $3.6 m since FY2020, across 3 lenders, median approval $536,100. These count approvals to borrowers whose address is in Libby, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Libby borrowers get paid back?
No rate is published for Libby. Only 2 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 Libby in the National Flood Insurance Program?
Yes. Libby appears in the FEMA Community Status Book as Libby, city of, community 300042, 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 Libby figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lincoln 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 Libby.
Is zoning published for Libby?
No. Nothing on this page presents parcel level zoning.