HomeNorth CarolinaLincoln CountyLincolnton city
Lincolnton city, North Carolina: commercial real estate data.
Lincolnton city is a Census city of 11,783 people across 8.97 square miles of land, in Lincoln County. Median household income is $46,320, 46.2 percent of occupied homes are owned, and the SBA record carries 20 7(a) approvals to borrowers here worth $11.0 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Lincolnton
What Lincolnton is
- Census place typecity
- Land area8.97 sq mi
- Water area0.07 sq mi
- Population per square mile of land1,314
- 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.
Lincolnton
How many people live in Lincolnton
- Population11,783
- Median age37.1
- Population under 182,714
- Share under 1823.0 percent
- Population 65 and over2,277
- Share 65 and over19.3 percent
- Households5,023
- Family households2,976
- Share of households that are families59.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincolnton
Income and work in Lincolnton
- Median household income$46,320
- Per capita income$30,456
- Civilian labor force5,452
- Employed5,245
- Unemployed207 plus or minus 138
- Unemployment rate3.8 percent plus or minus 2.5
- Adults 25 and over7,498
- Adults 25 and over with a high school diploma or higher87.1 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree9.0 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincolnton
Housing in Lincolnton
- Housing units5,299
- Occupied units5,023
- Vacant units276 plus or minus 172
- Vacancy rate5.2 percent plus or minus 3.2
- Owner occupied2,320
- Renter occupied2,703
- Ownership rate46.2 percent
- Median owner-occupied home value$248,700
- Median gross rent, monthly$965
- Annual rent as a share of median income25.0 percent
- Single family units3,276
- Share single family61.8 percent
- Units in buildings of two or more1,890 plus or minus 391
- Share in buildings of two or more35.7 percent
- Mobile homes133 plus or minus 105
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincolnton
How Lincolnton gets to work
- Workers 16 and over who commute4,442
- Commuting under 15 minutes1,726 plus or minus 361
- Share commuting under 15 minutes38.9 percent
- Commuting 30 minutes or more1,745 plus or minus 363
- Share commuting 30 minutes or more39.3 percent
- Drove alone75.1 percent
- Carpooled8.2 percent plus or minus 3.4
- Public transport0.0 percent
- Walked2.6 percent plus or minus 1.8
- Worked from home11.7 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincolnton
SBA loans in Lincolnton (7(a))
- Approvals20
- Gross approval$10,986,900
- Average approval$549,345
- Median approval$320,000
- Ninetieth percentile approval$1,442,000
- Largest approval$3,170,000
- Jobs supported141
- Jobs per approval7.0
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more35.0 percent
- Share to franchises40.0 percent
- Distinct lenders15
- Distinct industries by NAICS19
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lincolnton
SBA loans in Lincolnton (504)
- Approvals4
- Gross approval$2,651,000
- Average approval$662,750
- Median approval$691,000
- Largest approval$941,000
- Jobs supported69
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lincolnton
Flood risk in Lincolnton
- Listed NFIP communities1
- Of those, participating1
- NFIP community number370147
- Currently effective map date03/02/09
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Lincoln County, not Lincolnton
Lincoln County context, not Lincolnton figures
These are Lincoln County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Lincolnton measurements.
- Establishments in Lincoln County2,081
- Employment at those establishments, Lincoln County23,461
- Covered employment, Lincoln County28,110
- Average annual pay, Lincoln County$55,677
- Average weekly wage, Lincoln County$1,071
- Housing units permitted, Lincoln County697
- Of those, single family, Lincoln County697
- County product, 2024, Lincoln County$4,744,844,000
- County product change over the prior year, Lincoln County9.8 percent
- Average income of an arriving household, Lincoln County$87,755
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Lincolnton. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Lincolnton questions, answered from the record.
How many people live in Lincolnton, North Carolina?
11,783, in 5,023 households. Lincolnton city covers 8.97 square miles of land, which is 1,314 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lincolnton 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 Lincolnton?
$46,320. The median owner-occupied home is valued at $248,700. Median gross rent is $965 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lincolnton businesses?
20 7(a) approvals totalling $11.0 m, across 15 lenders, median approval $320,000, plus 4 504 approvals worth $2.7 m. These count approvals to borrowers whose address is in Lincolnton, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lincolnton borrowers get paid back?
No rate is published for Lincolnton. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Lincolnton in the National Flood Insurance Program?
Yes. Lincolnton appears in the FEMA Community Status Book as community 370147, 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 Lincolnton figures?
No, and they are labelled 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 Lincolnton.
Is zoning published for Lincolnton?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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