HomeWashingtonLincoln County
Lincoln County, Washington: commercial real estate data.
Lincoln County, Washington had an estimated 11,862 residents on July 1, 2024, up 9.0 percent since the 2020 census base of 10,878, across 2,310 square miles. County output reached $685.1 m in 2024, 291 establishments operate here, and the SBA record carries 33 7(a) approvals worth $8.3 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 2020-202411,489
- Households4,820
- Average household size2.38
- Median household income$71,512
- Median age46.9
- Median gross rent$883 per month
- Median owner-occupied home value$292,800
- Home value to household income4.1 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher24.2 percent
- Adults 25 and over with a graduate degree7.8 percent
- Adults 25 and over8,218
- Population under 182,505
- Share under 1821.8 percent
- Population 65 and over3,012
- Share 65 and over26.2 percent
- Working age population, 18 to 645,972
- Civilian labor force5,044
- Unemployment rate7.8 percent
- Labor force participation, adults 18 and over56.1 percent
- Rank by population among Washington counties35th of 39
- Rank by population among US county-equivalents, Puerto Rico included2389th of 3,222
Lincoln County is the 35th largest of 39 Washington counties by population. A median home costs 4.1 times median household income, which is seriously unaffordable by national standards. Residents 65 and over outnumber those under 18, at 26.2 percent against 21.8 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, 202411,862
- Census 2020 base population10,878
- Population change since the 2020 census base9.05 percent
- Population change, 2023 to 2024102
- Births, 2024113
- Deaths, 2024140
- Natural change, 2024-27
- Net domestic migration, 2024125
- Net international migration, 20246
- Total net migration, 2024131
- Cumulative net domestic migration, 2021 to 20241,043
- Rank by growth among US county-equivalents185th of 3,144
The county has grown 9.05 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
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 arriving442
- People arriving, from those returns857
- Tax returns filed by households leaving324
- Net household movement118
- Adjusted gross income arriving$32.2 m
- Net adjusted gross income movement$11.3 m
- Average income of an arriving household$72,939
- Average income of a leaving household$64,608
- Largest single originSpokane County (157 households)
- Largest single destinationSpokane County (112 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Spokane County | 157 | 307 | $8.7 m |
| Snohomish County | 22 | 33 | $2.4 m |
| King County | 21 | 39 | $3.9 m |
| Pierce County | 20 | 32 | $2.0 m |
Households arriving report $8,331 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 Spokane 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$685.1 m
- County GDP, 2023$550.2 m
- GDP change, 2023 to 202424.5 percent
- GDP change over five years34.9 percent
- Rank by GDP among the Washington areas BEA publishes34th of 39
- Rank by GDP among the US county areas BEA publishes2164th of 3,127
- GDP per resident$59,631
Output grew 24.5 percent in the latest year and 34.9 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 average2,662
- Establishments reporting451
- Average annual pay$54,315
- Average weekly wage$1,045
- Construction, employment308
- Construction, average annual pay$70,127
- Agriculture, forestry, fishing and hunting, employment209
- Agriculture, forestry, fishing and hunting, average annual pay$44,577
- Wholesale trade, employment154
- Wholesale trade, average annual pay$59,033
- Retail trade, employment140
- Retail trade, average annual pay$38,688
- Professional, scientific and technical services, employment125
- Accommodation and food services, employment120
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Construction | 308 | 52 | $70,127 |
| Agriculture, forestry, fishing and hunting | 209 | 145 | $44,577 |
| Wholesale trade | 154 | 19 | $59,033 |
| Retail trade | 140 | 25 | $38,688 |
| Professional, scientific and technical services | 125 | 18 | $59,505 |
| Accommodation and food services | 120 | 24 | $24,041 |
| Administrative and support and waste management services | 53 | 13 | $43,818 |
| Finance and insurance | 35 | 11 | $68,231 |
Construction is the largest private sector at 308 jobs, 11.6 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 industries291
- Employment at those establishments1,750
- Annual payroll$98.8 m
- Establishments per 1,000 residents25.3
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, 202447
- Declared construction value permitted$14.2 m
- Single family units authorized47
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,187
- Units authorized per 1,000 households9.8
Single-family homes are 100.0 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$8.3 m
- Average 7(a) approval$251,403
- Median 7(a) approval$91,000
- 10th percentile approval$31,000
- 90th percentile approval$469,360
- Largest single approval$2,200,000
- Jobs reported supported, 7(a)95
- Jobs per approval2.9
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals21
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer6.1 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter27
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countSite Preparation Contractors (6)
- Most active lenderRiverBank (8)
The average approval of $251,403 sits well above the median of $91,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 6.1 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.
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 recorded5
- Paid in full5
- Charged off0
- Status: Paid in full5
- Status: Exempt from disclosure19
- Status: Cancelled9
Only 5 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 lending7
- Davenport, approvals17
- Reardan, approvals7
- Odessa, approvals5
- Wilbur, approvals1
- Edwall, approvals1
- Grand Coulee, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Davenport | 17 | $6,246,000 |
| Reardan | 7 | $867,300 |
| Odessa | 5 | $870,500 |
| Wilbur | 1 | $230,000 |
| Edwall | 1 | $40,000 |
| Grand Coulee | 1 | $30,000 |
| Harrington | 1 | $12,500 |
Davenport accounts for 17 approvals against 7 in Reardan. 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 area2,310 sq mi
- Rank by land area among Washington counties7th of 39
- Width, east to west53.9 mi
- Height, north to south48.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land5
- Establishments per square mile0.13
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 530106
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP7
- NFIP participation rate77.8 percent
- Communities carrying a CRS class0
- 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 530106), 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 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. 77.8 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 2020-202411,489
- Households4,820
- Average household size2.38
- Median household income$71,512
- Median age46.9
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Washington?
The Census Bureau estimates 11,862 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 11,489, in 4,820 households, ranking 35th of 39 Washington 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 9.05 percent since the 2020 census base of 10,878, to 11,862 on July 1, 2024. In 2024 there were 113 births against 140 deaths, with net migration of 131. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$71,512. The median owner-occupied home is valued at $292,800, which is 4.1 times income, and median gross rent is $883 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lincoln County?
291 establishments, employing 1,750 people with an annual payroll of $98.8 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?
Construction is the largest private sector at 308 jobs, 11.6 percent of covered employment. Covered employment averages 2,662 jobs at an average annual pay of $54,315, or $1,045 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 $8.3 m since FY2020, across 12 lenders, with a median approval of $91,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lincoln County?
47 housing units were authorized by permit in 2024, with a declared construction value of $14.2 m. Multifamily was 0.0 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 Spokane County, with 157 households. Arriving households report an average income of $72,939 against $64,608 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.
8 Census places lie wholly or partly in Lincoln County. All 8 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 |
|---|---|---|---|---|
| Davenport | city | 1,774 | 17 | Wholly in this county |
| Wilbur | town | 842 | 1 | Wholly in this county |
| Odessa | town | 783 | 5 | Wholly in this county |
| Reardan | town | 726 | 7 | Wholly in this county |
| Sprague | city | 583 | None recorded | Wholly in this county |
| Harrington | city | 468 | 1 | Wholly in this county |
| Almira | town | 360 | None recorded | Wholly in this county |
| Creston | town | 235 | None recorded | Wholly in this county |
A further 2 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 Edwall (1), Grand Coulee (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.
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