Adams County, Colorado: commercial real estate data.
Adams County, Colorado has a population of 530,225 across 1,168 square miles, up 4.5 percent since the 2020 census base. County output reached $43.10 bn in 2024, 11,319 establishments operate here, and the SBA record carries 785 7(a) approvals worth $525.4 m.
123 sourced county values · tier FULL · 11 sections
Adams County
How many people live in Adams County
- Population530,225
- Households188,730
- Average household size2.81
- Median household income$94,571
- Median age34.8
- Median gross rent$1,781 per month
- Median owner-occupied home value$484,200
- Home value to household income5.1 times
- Annual rent as a share of median income22.6 percent
- Adults 25 and over with a bachelor degree or higher29.0 percent
- Adults 25 and over with a graduate degree9.2 percent
- Adults 25 and over349,914
- Population under 18131,839
- Share under 1824.9 percent
- Population 65 and over59,925
- Share 65 and over11.3 percent
- Working age population, 18 to 64338,461
- Civilian labor force297,883
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over74.8 percent
- Rank by population among Colorado counties5th of 64
- Rank by population among US county-equivalents136th
Adams County is the 5th largest of 64 Colorado counties by population. A median home costs 5.1 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents under 18 outnumber those 65 and over, at 24.9 percent against 11.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adams County
Is Adams County growing
- Population change since the 2020 census base4.50 percent
- Census 2020 base population519,575
- Births, 20246,278
- Deaths, 20243,457
- Natural change, 20242,821
- Net domestic migration, 2024992
- Net international migration, 20243,441
- Total net migration, 20244,433
- Cumulative net domestic migration, 2021 to 20242,396
- Rank by growth among US county-equivalents616th
The county has grown 4.50 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Adams County
Where people moving to Adams County come from
- Tax returns filed by households arriving25,118
- People arriving, from those returns41,002
- Adjusted gross income arriving$1.60 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$63,727
- Largest single originAdams County Non-migrants (192,652 households)
- Largest single destination (192,652 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adams County Non-migrants | 192,652 | 386,001 | $15.22 bn |
| Denver County | 5,537 | 9,295 | $363.2 m |
| Jefferson County | 3,851 | 6,174 | $236.6 m |
| Other flows - Different State | 3,694 | 5,842 | $219.9 m |
| Arapahoe County | 3,322 | 5,902 | $185.1 m |
| Other flows - South | 1,399 | 2,291 | $82.0 m |
| Weld County | 1,167 | 2,095 | $74.0 m |
| Boulder County | 1,157 | 1,688 | $89.4 m |
The largest single source of arrivals is Adams County Non-migrants, 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.
Adams County
What the Adams County economy runs on
- County GDP, 2024$43.10 bn
- County GDP, 2023$41.35 bn
- GDP change, 2023 to 20244.2 percent
- GDP change over five years42.6 percent
- Rank by GDP among Colorado counties5th
- Rank by GDP among US county-equivalents137th
- GDP per resident$81,290
Output grew 4.2 percent in the latest year and 42.6 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.
Adams County
Who employs people in Adams County
- Covered employment, annual average249,299
- Establishments reporting14,156
- Average annual pay$73,817
- Average weekly wage$1,420
- Sector 48-49, employment27,096
- Sector 48-49, average annual pay$67,233
- Sector 23, employment26,530
- Sector 23, average annual pay$84,117
- Sector 44-45, employment21,901
- Sector 44-45, average annual pay$44,934
- Sector 62, employment21,519
- Sector 62, average annual pay$66,791
- Sector 72, employment18,835
- Sector 42, employment18,298
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 48-49 | 27,096 | 693 | $67,233 |
| Sector 23 | 26,530 | 1,956 | $84,117 |
| Sector 44-45 | 21,901 | 1,190 | $44,934 |
| Sector 62 | 21,519 | 1,078 | $66,791 |
| Sector 72 | 18,835 | 897 | $32,070 |
| Sector 42 | 18,298 | 1,184 | $92,327 |
| Sector 56 | 16,743 | 922 | $52,629 |
| Sector 31-33 | 13,483 | 514 | $76,074 |
The largest sector is the biggest private employer group at 27,096 jobs, 10.9 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adams County
What businesses operate in Adams County
- Establishments, all industries11,319
- Employment at those establishments207,227
- Annual payroll$13.23 bn
- Establishments per 1,000 residents21.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Adams County
What is being built in Adams County
- Housing units authorised by permit, 20242,371
- Declared construction value permitted$805.9 m
- Single family units authorised2,028
- Multifamily units authorised343
- Multifamily share of units14.5 percent
- Average declared value per unit$339,915
- Units authorised per 1,000 households12.6
Multifamily is 14.5 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Adams County
How much SBA lending happens in Adams County
- 7(a) approvals recorded785
- 7(a) gross approval dollars$525.4 m
- Average 7(a) approval$669,333
- Median 7(a) approval$283,500
- 10th percentile approval$25,000
- 90th percentile approval$1,864,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)8,206
- Jobs per approval10.5
- Distinct 7(a) lenders active99
- Distinct industries receiving approvals219
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.8 percent
- Loans on real estate terms140
- Loans on working capital terms, 120 months or shorter616
- Franchise loans94
- Franchise share of approvals12.0 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (26)
- Most active lenderThe Huntington National Bank (78)
- 504 approvals recorded238
- 504 gross approval dollars$227.5 m
- Average 504 approval$955,971
- Median 504 approval$668,000
- Distinct CDCs active8
- 504 jobs per approval8.8
- 504 jobs per million dollars approved9.2
- Most active CDCB:Side Capital (170)
- 7(a) share of SBA approvals76.7 percent
- Combined SBA approval dollars$752.9 m
The average approval of $669,333 sits well above the median of $283,500, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 17.8 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.
Adams County
Do SBA loans in Adams County get paid back
- Loans with a final outcome recorded132
- Paid in full117
- Charged off15
- Charge off rate on resolved loans11.4 percent
- Status: Paid in full117
- Status: Exempt from disclosure515
- Status: Cancelled101
- Status: Charged off15
- Status: Committed, not yet disbursed37
Of the 132 loans that have reached a final outcome, 11.4 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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adams County
Which parts of Adams County get the lending
- Places in the county with recorded lending22
- DENVER, approvals162
- Thornton, approvals132
- COMMERCE CITY, approvals126
- Westminster, approvals100
- AURORA, approvals83
- Brighton, approvals67
| Place | Approvals | Gross approval dollars |
|---|---|---|
| DENVER | 162 | $131,571,400 |
| Thornton | 132 | $77,643,500 |
| COMMERCE CITY | 126 | $84,338,600 |
| Westminster | 100 | $48,421,400 |
| AURORA | 83 | $67,784,600 |
| Brighton | 67 | $28,689,600 |
| NORTHGLENN | 45 | $15,071,700 |
| HENDERSON | 26 | $35,441,200 |
DENVER accounts for 162 approvals against 132 in Thornton. 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.
Adams County
How big is Adams County
- Land area1,168 sq mi
- Rank by land area among Colorado counties39th of 64
- Width, east to west71.6 mi
- Height, north to south18.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land454
- Establishments per square mile9.69
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.
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.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Adams 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 Adams County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population530,225
- Households188,730
- Average household size2.81
- Median household income$94,571
- Median age34.8
Common questions
Adams County questions, answered from the record.
How many people live in Adams County, Colorado?
530,225, in 188,730 households, ranking 5th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adams County growing?
The population has grown 4.50 percent since the 2020 census base. In 2024 there were 6,278 births against 3,457 deaths, with net migration of 4,433. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adams County?
$94,571. The median owner-occupied home is valued at $484,200, which is 5.1 times income, and median gross rent is $1,781 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adams County?
11,319 establishments, employing 207,227 people with an annual payroll of $13.23 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Adams County?
Average annual pay is $73,817, or $1,420 a week, across 249,299 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adams County?
785 7(a) approvals totalling $525.4 m since FY2020, across 99 lenders, with a median approval of $283,500, plus 238 504 approvals worth $227.5 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Adams County get paid back?
Of the 132 loans that have reached a final outcome, 117 were paid in full and 15 charged off, a charge off rate of 11.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Adams County?
2,371 housing units were authorised by permit in 2024, with a declared construction value of $805.9 m. Multifamily was 14.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adams County?
Zone 1, a predicted average indoor radon screening level greater than 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 Adams County come from?
The largest single origin is Adams County Non-migrants, with 192,652 households. Arriving households report an average income of $63,727 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Adams 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 Adams County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.