HomeOregonLincoln CountyLincoln City
Lincoln City, Oregon: commercial real estate data.
Lincoln City is a Census city of 9,968 people across 6.05 square miles of land, in Lincoln County. Median household income is $56,635, 59.3 percent of occupied homes are owned, and the SBA record carries 37 7(a) approvals to borrowers here worth $21.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lincoln City
What Lincoln City is
- Census place typecity
- Land area6.05 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,648
- 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.
Lincoln City
How many people live in Lincoln City
- Population9,968
- Median age49.2
- Population under 181,476
- Share under 1814.8 percent
- Population 65 and over2,822
- Share 65 and over28.3 percent
- Households4,548
- Family households2,497
- Share of households that are families54.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincoln City
Income and work in Lincoln City
- Median household income$56,635
- Per capita income$41,022 plus or minus $8,921
- Civilian labor force4,339
- Employed4,048
- Unemployed291 plus or minus 156
- Unemployment rate6.7 percent plus or minus 3.6
- Adults 25 and over7,859
- Adults 25 and over with a high school diploma or higher90.4 percent
- Adults 25 and over with a bachelor degree or higher26.1 percent
- Adults 25 and over with a graduate degree9.7 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincoln City
Housing in Lincoln City
- Housing units7,195
- Occupied units4,548
- Vacant units2,647
- Vacancy rate36.8 percent
- Owner occupied2,698
- Renter occupied1,850
- Ownership rate59.3 percent
- Median owner-occupied home value$412,700
- Median gross rent, monthly$1,314
- Annual rent as a share of median income27.8 percent
- Single family units5,334
- Share single family74.1 percent
- Units in buildings of two or more1,364
- Share in buildings of two or more19.0 percent
- Mobile homes474 plus or minus 160
- Median year structure built1982
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincoln City
How Lincoln City gets to work
- Workers 16 and over who commute3,346
- Commuting under 15 minutes1,980
- Share commuting under 15 minutes59.2 percent
- Commuting 30 minutes or more532 plus or minus 146
- Share commuting 30 minutes or more15.9 percent plus or minus 4.2
- Drove alone63.1 percent
- Carpooled13.7 percent plus or minus 4.3
- Public transport0.1 percent plus or minus 0.2
- Walked5.0 percent plus or minus 2.4
- Worked from home16.6 percent plus or minus 4.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lincoln City
SBA loans in Lincoln City (7(a))
- Approvals37
- Gross approval$21,287,900
- Average approval$575,349
- Median approval$50,000
- Ninetieth percentile approval$2,116,700
- Largest approval$4,085,000
- Jobs supported303
- Jobs per approval8.2
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more16.2 percent
- Share to franchises13.5 percent
- Distinct lenders14
- Distinct industries by NAICS27
Counted by borrower city: approvals to borrowers whose address is in Lincoln City, in any county, FY2020 to FY2026. Only 6 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.
Lincoln City
SBA loans in Lincoln City (504)
- Approvals7
- Gross approval$8,735,000
- Average approval$1,247,857
- Median approval$748,000
- Largest approval$2,683,000
- Jobs supported47
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Lincoln City, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lincoln City
Flood risk in Lincoln City
- NFIP communityCity of Lincoln City
- NFIP community number410130
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/18/19
The City of Lincoln City participates in the National Flood Insurance Program as community 410130 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 Lincoln City
Lincoln County context, not Lincoln City figures
- Establishments in Lincoln County1,613
- Covered employment, Lincoln County18,607
- Average annual pay, Lincoln County$50,886
- Housing units permitted, Lincoln County280
Every figure in this section is published for Lincoln County as a whole and is not a measurement of Lincoln City.
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
Lincoln City questions, answered from the record.
How many people live in Lincoln City, Oregon?
9,968, in 4,548 households. Lincoln City city covers 6.05 square miles of land, which is 1,648 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lincoln City 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 Lincoln City?
$56,635. The median owner-occupied home is valued at $412,700. Median gross rent is $1,314 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lincoln City businesses?
37 7(a) approvals totaling $21.3 m since FY2020, across 14 lenders, median approval $50,000, plus 7 504 approvals worth $8.7 m since FY2010. These count approvals to borrowers whose address is in Lincoln City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lincoln City borrowers get paid back?
No rate is published for Lincoln City. Only 6 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 Lincoln City in the National Flood Insurance Program?
Yes. Lincoln City appears in the FEMA Community Status Book as Lincoln City, city of, community 410130, 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 Lincoln City 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 Lincoln City.
Is zoning published for Lincoln City?
No. Nothing on this page presents parcel level zoning.
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