HomeColoradoClear Creek County
Clear Creek County, Colorado: commercial real estate data.
Clear Creek County, Colorado has a population of 9,262 across 395 square miles, down 3.0 percent since the 2020 census base. County output reached $656.4 m in 2024, 340 establishments operate here, and the SBA record carries 28 7(a) approvals worth $37.7 m.
118 sourced county values · tier FULL · 11 sections
Clear Creek County
How many people live in Clear Creek County
- Population9,262
- Households4,677
- Average household size1.98
- Median household income$94,577
- Median age49.1
- Median gross rent$1,467 per month
- Median owner-occupied home value$608,500
- Home value to household income6.4 times
- Annual rent as a share of median income18.6 percent
- Adults 25 and over with a bachelor degree or higher57.5 percent
- Adults 25 and over with a graduate degree26.4 percent
- Adults 25 and over7,411
- Population under 181,370
- Share under 1814.8 percent
- Population 65 and over2,102
- Share 65 and over22.7 percent
- Working age population, 18 to 645,790
- Civilian labor force5,523
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over70.0 percent
- Rank by population among Colorado counties39th of 64
- Rank by population among US county-equivalents2545th
Clear Creek County is the 39th largest of 64 Colorado counties by population. A median home costs 6.4 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents 65 and over outnumber those under 18, at 22.7 percent against 14.8 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Clear Creek County
Is Clear Creek County growing
- Population change since the 2020 census base-3.03 percent
- Census 2020 base population9,360
- Births, 202452
- Deaths, 202465
- Natural change, 2024-13
- Net domestic migration, 2024-43
- Net international migration, 202412
- Total net migration, 2024-31
- Cumulative net domestic migration, 2021 to 2024-274
- Rank by growth among US county-equivalents2745th
The county has lost 3.03 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Clear Creek County
Where people moving to Clear Creek County come from
- Tax returns filed by households arriving518
- People arriving, from those returns732
- Adjusted gross income arriving$52.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$101,674
- Largest single originClear Creek County Non-migrants (3,589 households)
- Largest single destination (3,589 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Clear Creek County Non-migrants | 3,589 | 6,316 | $510.7 m |
| Other flows - Different State | 186 | 269 | $19.6 m |
| Jefferson County | 132 | 198 | $19.0 m |
| Other flows - Same State | 102 | 132 | $6.4 m |
| Other flows - South | 74 | 113 | $9.9 m |
| Denver County | 52 | 69 | $5.0 m |
| Other flows - West | 42 | 66 | $5.4 m |
| Other flows - Midwest | 39 | 57 | $2.2 m |
The largest single source of arrivals is Clear Creek 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.
Clear Creek County
What the Clear Creek County economy runs on
- County GDP, 2024$656.4 m
- County GDP, 2023$770.6 m
- GDP change, 2023 to 2024-14.8 percent
- GDP change over five years34.5 percent
- Rank by GDP among Colorado counties38th
- Rank by GDP among US county-equivalents2205th
- GDP per resident$70,865
Output grew -14.8 percent in the latest year and 34.5 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.
Clear Creek County
Who employs people in Clear Creek County
- Covered employment, annual average3,323
- Establishments reporting410
- Average annual pay$65,645
- Average weekly wage$1,262
- Sector 44-45, employment270
- Sector 44-45, average annual pay$39,262
- Sector 54, employment140
- Sector 54, average annual pay$112,785
- Sector 31-33, employment120
- Sector 31-33, average annual pay$40,483
- Sector 42, employment104
- Sector 42, average annual pay$75,447
- Sector 23, employment86
- Sector 56, employment70
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 270 | 52 | $39,262 |
| Sector 54 | 140 | 83 | $112,785 |
| Sector 31-33 | 120 | 8 | $40,483 |
| Sector 42 | 104 | 30 | $75,447 |
| Sector 23 | 86 | 31 | $73,612 |
| Sector 56 | 70 | 22 | $74,847 |
| Sector 53 | 37 | 20 | $40,715 |
| Sector 55 | 33 | 6 | $77,105 |
The largest sector is the biggest private employer group at 270 jobs, 8.1 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.
Clear Creek County
What businesses operate in Clear Creek County
- Establishments, all industries340
- Employment at those establishments3,044
- Annual payroll$159.1 m
- Establishments per 1,000 residents36.7
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.
Clear Creek County
What is being built in Clear Creek County
- Housing units authorised by permit, 202419
- Declared construction value permitted$10.1 m
- Single family units authorised19
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$530,098
- Units authorised per 1,000 households4.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Clear Creek County
How much SBA lending happens in Clear Creek County
- 7(a) approvals recorded28
- 7(a) gross approval dollars$37.7 m
- Average 7(a) approval$1,345,782
- Median 7(a) approval$722,500
- 10th percentile approval$76,000
- 90th percentile approval$3,500,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)372
- Jobs per approval13.3
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals19
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer60.7 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter8
- Franchise loans2
- Franchise share of approvals7.1 percent
- Leading industry by approval countBreweries (3)
- Most active lenderEnterprise Bank & Trust (3)
- 504 approvals recorded3
- 504 gross approval dollars$3.1 m
- Average 504 approval$1,047,000
- Median 504 approval$226,000
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved5.7
- Most active CDCB:Side Capital (2)
- 7(a) share of SBA approvals90.3 percent
- Combined SBA approval dollars$40.8 m
The average approval of $1,345,782 sits well above the median of $722,500, 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. 60.7 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Clear Creek County
Do SBA loans in Clear Creek County get paid back
- Loans with a final outcome recorded6
- Paid in full6
- Charged off0
- Status: Exempt from disclosure17
- Status: Cancelled3
- Status: Paid in full6
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 6 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Clear Creek County
Which parts of Clear Creek County get the lending
- Places in the county with recorded lending3
- Idaho Springs, approvals16
- GEORGETOWN, approvals6
- Evergreen, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Idaho Springs | 16 | $28,762,900 |
| GEORGETOWN | 6 | $4,518,300 |
| Evergreen | 6 | $4,400,700 |
Idaho Springs accounts for 16 approvals against 6 in GEORGETOWN. 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.
Clear Creek County
How big is Clear Creek County
- Land area395 sq mi
- Rank by land area among Colorado counties59th of 64
- Width, east to west28 mi
- Height, north to south19.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land23
- Establishments per square mile0.86
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 Clear Creek 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 Clear Creek County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population9,262
- Households4,677
- Average household size1.98
- Median household income$94,577
- Median age49.1
Common questions
Clear Creek County questions, answered from the record.
How many people live in Clear Creek County, Colorado?
9,262, in 4,677 households, ranking 39th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Clear Creek County growing?
The population has fallen 3.03 percent since the 2020 census base. In 2024 there were 52 births against 65 deaths, with net migration of -31. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Clear Creek County?
$94,577. The median owner-occupied home is valued at $608,500, which is 6.4 times income, and median gross rent is $1,467 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Clear Creek County?
340 establishments, employing 3,044 people with an annual payroll of $159.1 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Clear Creek County?
Average annual pay is $65,645, or $1,262 a week, across 3,323 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Clear Creek County?
28 7(a) approvals totalling $37.7 m since FY2020, across 21 lenders, with a median approval of $722,500, plus 3 504 approvals worth $3.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Clear Creek County?
19 housing units were authorised by permit in 2024, with a declared construction value of $10.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Clear Creek 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 Clear Creek County come from?
The largest single origin is Clear Creek County Non-migrants, with 3,589 households. Arriving households report an average income of $101,674 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 Clear Creek 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 Clear Creek 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.