Lincoln County, Oregon: commercial real estate data.
Lincoln County, Oregon had an estimated 51,212 residents on July 1, 2024, up 1.6 percent since the 2020 census base of 50,402, across 980 square miles. County output reached $2.77 bn in 2024, 1,613 establishments operate here, and the SBA record carries 155 7(a) approvals worth $34.0 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 2020-202450,964
- Households23,115
- Average household size2.20
- Median household income$63,165
- Median age52.7
- Median gross rent$1,201 per month
- Median owner-occupied home value$410,800
- Home value to household income6.5 times
- Annual rent as a share of median income22.8 percent
- Adults 25 and over with a bachelor degree or higher28.6 percent
- Adults 25 and over with a graduate degree12.3 percent
- Adults 25 and over39,853
- Population under 187,903
- Share under 1815.5 percent
- Population 65 and over16,227
- Share 65 and over31.8 percent
- Working age population, 18 to 6426,834
- Civilian labor force21,466
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over49.9 percent
- Rank by population among Oregon counties18th of 36
- Rank by population among US county-equivalents, Puerto Rico included1004th of 3,222
Lincoln County is the 18th largest of 36 Oregon counties by population. A median home costs 6.5 times median household income, which is severely unaffordable by national standards. Residents 65 and over outnumber those under 18, at 31.8 percent against 15.5 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, 202451,212
- Census 2020 base population50,402
- Population change since the 2020 census base1.61 percent
- Population change, 2023 to 2024-95
- Births, 2024352
- Deaths, 2024787
- Natural change, 2024-435
- Net domestic migration, 2024173
- Net international migration, 2024170
- Total net migration, 2024343
- Cumulative net domestic migration, 2021 to 20241,968
- Rank by growth among US county-equivalents1298th of 3,144
The county has grown 1.61 percent since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though 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 arriving1,947
- People arriving, from those returns3,203
- Tax returns filed by households leaving1,729
- Net household movement218
- Adjusted gross income arriving$163.0 m
- Net adjusted gross income movement$38.3 m
- Average income of an arriving household$83,701
- Average income of a leaving household$72,120
- Largest single originMultnomah County (165 households)
- Largest single destinationMarion County (108 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Multnomah County | 165 | 249 | $18.4 m |
| Lane County | 103 | 145 | $6.3 m |
| Marion County | 97 | 164 | $5.3 m |
| Clackamas County | 87 | 152 | $11.5 m |
| Washington County | 86 | 134 | $11.1 m |
| Benton County | 63 | 110 | $3.6 m |
| Deschutes County | 58 | 91 | $4.5 m |
| Yamhill County | 53 | 95 | $4.5 m |
Households arriving report $11,581 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 Multnomah 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$2.77 bn
- County GDP, 2023$2.63 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years34.1 percent
- Rank by GDP among the Oregon areas BEA publishes17th of 36
- Rank by GDP among the US county areas BEA publishes1036th of 3,127
- GDP per resident$54,291
Output grew 5.2 percent in the latest year and 34.1 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 average18,607
- Establishments reporting2,097
- Average annual pay$50,886
- Average weekly wage$979
- Accommodation and food services, employment4,586
- Accommodation and food services, average annual pay$32,088
- Retail trade, employment2,718
- Retail trade, average annual pay$34,045
- Health care and social assistance, employment2,106
- Health care and social assistance, average annual pay$64,822
- Manufacturing, employment895
- Manufacturing, average annual pay$77,782
- Construction, employment831
- Administrative and support and waste management services, employment696
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 4,586 | 325 | $32,088 |
| Retail trade | 2,718 | 274 | $34,045 |
| Health care and social assistance | 2,106 | 224 | $64,822 |
| Manufacturing | 895 | 58 | $77,782 |
| Construction | 831 | 222 | $55,233 |
| Administrative and support and waste management services | 696 | 93 | $39,623 |
| Real estate and rental and leasing | 497 | 88 | $37,733 |
| Other services, except public administration | 443 | 164 | $36,519 |
Accommodation and food services is the largest private sector at 4,586 jobs, 24.6 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 industries1,613
- Employment at those establishments14,839
- Annual payroll$660.2 m
- Establishments per 1,000 residents31.6
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, 2024280
- Declared construction value permitted$84.7 m
- Single family units authorized147
- Multifamily units authorized133
- Multifamily share of units47.5 percent
- Average declared value per unit$302,657
- Units authorized per 1,000 households12.1
Multifamily is 47.5 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Lincoln County
SBA loans in Lincoln County (7(a) and 504)
- 7(a) approvals recorded155
- 7(a) gross approval dollars$34.0 m
- Average 7(a) approval$219,646
- Median 7(a) approval$25,000
- 10th percentile approval$25,000
- 90th percentile approval$396,640
- Largest single approval$4,085,000
- Jobs reported supported, 7(a)880
- Jobs per approval5.7
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals78
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.6 percent
- Loans on real estate terms18
- Loans on working capital terms, 120 months or shorter136
- Franchise loans7
- Franchise share of approvals4.5 percent
- Leading industry by approval countResidential Remodelers (11)
- Most active lenderColumbia Bank (61)
- 504 approvals recorded16
- 504 gross approval dollars$19.8 m
- Average 504 approval$1,235,125
- Median 504 approval$800,500
- Distinct CDCs active7
- 504 jobs per approval8.9
- 504 jobs per million dollars approved7.2
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$53.8 m
The average approval of $219,646 sits well above the median of $25,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.6 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 recorded31
- Paid in full29
- Charged off2
- Charge-off rate on resolved loans6.5 percent
- Status: Exempt from disclosure80
- Status: Cancelled37
- Status: Charged off2
- Status: Paid in full29
- Status: Committed, not yet disbursed7
Of the 31 loans that have reached a final outcome, 6.5 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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 lending13
- Newport, approvals42
- Lincoln City, approvals37
- Depoe Bay, approvals17
- Waldport, approvals15
- South Beach, approvals11
- Yachats, approvals9
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Newport | 42 | $6,162,100 |
| Lincoln City | 37 | $21,287,900 |
| Depoe Bay | 17 | $925,000 |
| Waldport | 15 | $2,981,100 |
| South Beach | 11 | $325,000 |
| Yachats | 9 | $300,000 |
| Toledo | 8 | $203,000 |
| Otis | 6 | $1,256,000 |
| 5 other borrower cities | 10 | $605,000 |
Newport accounts for 42 approvals against 37 in Lincoln City. 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 area980 sq mi
- Rank by land area among Oregon counties27th of 36
- Width, east to west25.5 mi
- Height, north to south53.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land52
- Establishments per square mile1.65
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 410129
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Lincoln County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Lincoln County (community 410129), 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 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 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 2020-202450,964
- Households23,115
- Average household size2.20
- Median household income$63,165
- Median age52.7
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Oregon?
The Census Bureau estimates 51,212 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 50,964, in 23,115 households, ranking 18th of 36 Oregon 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 1.61 percent since the 2020 census base of 50,402, to 51,212 on July 1, 2024. In 2024 there were 352 births against 787 deaths, with net migration of 343. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$63,165. The median owner-occupied home is valued at $410,800, which is 6.5 times income, and median gross rent is $1,201 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lincoln County?
1,613 establishments, employing 14,839 people with an annual payroll of $660.2 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?
Accommodation and food services is the largest private sector at 4,586 jobs, 24.6 percent of covered employment. Covered employment averages 18,607 jobs at an average annual pay of $50,886, or $979 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?
155 7(a) approvals totaling $34.0 m since FY2020, across 23 lenders, with a median approval of $25,000, plus 16 504 approvals worth $19.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lincoln County get paid back?
Of the 31 loans that have reached a final outcome, 29 were paid in full and 2 charged off, a charge-off rate of 6.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Lincoln County?
280 housing units were authorized by permit in 2024, with a declared construction value of $84.7 m. Multifamily was 47.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lincoln County?
Zone 3, a predicted average indoor radon screening level less than 2 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 Multnomah County, with 165 households. Arriving households report an average income of $83,701 against $72,120 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.
12 Census places lie wholly or partly in Lincoln County. All 12 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 |
|---|---|---|---|---|
| Newport | city | 10,583 | 42 | Wholly in this county |
| Lincoln City | city | 9,968 | 37 | Wholly in this county |
| Toledo | city | 3,546 | 8 | Wholly in this county |
| Lincoln Beach | CDP | 2,434 | None recorded | Wholly in this county |
| Waldport | city | 2,177 | 15 | Wholly in this county |
| Depoe Bay | city | 1,782 | 17 | Wholly in this county |
| Rose Lodge | CDP | 1,381 | None recorded | Wholly in this county |
| Siletz | city | 1,119 | 4 | Wholly in this county |
| Yachats | city | 979 | 9 | Wholly in this county |
| Bayshore | CDP | 925 | None recorded | Wholly in this county |
| Neotsu | CDP | 872 | None recorded | Wholly in this county |
| San Marine | CDP | 506 | None recorded | Wholly in this county |
A further 23 of the county's 155 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lincoln County, the largest being South Beach (11), Otis (6), Gleneden Beach (2). 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