Gilpin County, Colorado: commercial real estate data.
Gilpin County, Colorado has a population of 5,901 across 150 square miles, up 2.8 percent since the 2020 census base. County output reached $1.02 bn in 2024, 144 establishments operate here, and the SBA record carries 6 7(a) approvals worth $2.4 m.
115 sourced county values · tier FULL · 11 sections
Gilpin County
How many people live in Gilpin County
- Population5,901
- Households3,122
- Average household size1.89
- Median household income$95,361
- Median age47.2
- Median gross rent$1,658 per month
- Median owner-occupied home value$573,900
- Home value to household income6.0 times
- Annual rent as a share of median income20.9 percent
- Adults 25 and over with a bachelor degree or higher52.8 percent
- Adults 25 and over with a graduate degree26.7 percent
- Adults 25 and over4,737
- Population under 18967
- Share under 1816.4 percent
- Population 65 and over1,315
- Share 65 and over22.3 percent
- Working age population, 18 to 643,619
- Civilian labor force3,485
- Unemployment rate3.1 percent
- Labor force participation, adults 18 and over70.6 percent
- Rank by population among Colorado counties47th of 64
- Rank by population among US county-equivalents2818th
Gilpin County is the 47th largest of 64 Colorado counties by population. A median home costs 6.0 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 22.3 percent against 16.4 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.
Gilpin County
Is Gilpin County growing
- Population change since the 2020 census base2.77 percent
- Census 2020 base population5,802
- Births, 202443
- Deaths, 202451
- Natural change, 2024-8
- Net domestic migration, 202441
- Net international migration, 20248
- Total net migration, 202449
- Cumulative net domestic migration, 2021 to 202474
- Rank by growth among US county-equivalents932nd
The county has grown 2.77 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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.
Gilpin County
Where people moving to Gilpin County come from
- Tax returns filed by households arriving304
- People arriving, from those returns444
- Adjusted gross income arriving$28.2 m
- Net adjusted gross income movement$0
- Average income of an arriving household$92,717
- Largest single originGilpin County Non-migrants (2,229 households)
- Largest single destination (2,229 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gilpin County Non-migrants | 2,229 | 3,935 | $236.6 m |
| Other flows - Same State | 82 | 125 | $6.4 m |
| Other flows - Different State | 80 | 120 | $6.2 m |
| Jefferson County | 67 | 88 | $5.0 m |
| Boulder County | 48 | 79 | $5.9 m |
| Other flows - West | 33 | 46 | $3.0 m |
| Denver County | 27 | 33 | $1.9 m |
| Other flows - South | 27 | 41 | $1.7 m |
The largest single source of arrivals is Gilpin 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.
Gilpin County
What the Gilpin County economy runs on
- County GDP, 2024$1.02 bn
- County GDP, 2023$935.0 m
- GDP change, 2023 to 20248.9 percent
- GDP change over five years83.1 percent
- Rank by GDP among Colorado counties32nd
- Rank by GDP among US county-equivalents1828th
- GDP per resident$172,536
Output grew 8.9 percent in the latest year and 83.1 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.
Gilpin County
Who employs people in Gilpin County
- Covered employment, annual average4,712
- Establishments reporting228
- Average annual pay$67,931
- Average weekly wage$1,306
- Sector 71, employment1,971
- Sector 71, average annual pay$75,180
- Sector 72, employment1,908
- Sector 72, average annual pay$58,213
- Sector 23, employment64
- Sector 23, average annual pay$66,022
- Sector 54, employment56
- Sector 54, average annual pay$91,548
- Sector 42, employment32
- Sector 53, employment14
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 71 | 1,971 | 22 | $75,180 |
| Sector 72 | 1,908 | 14 | $58,213 |
| Sector 23 | 64 | 26 | $66,022 |
| Sector 54 | 56 | 49 | $91,548 |
| Sector 42 | 32 | 15 | $95,286 |
| Sector 53 | 14 | 10 | $99,650 |
| Sector 52 | 9 | 6 | $147,767 |
The largest sector is the biggest private employer group at 1,971 jobs, 41.8 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.
Gilpin County
What businesses operate in Gilpin County
- Establishments, all industries144
- Employment at those establishments4,513
- Annual payroll$249.9 m
- Establishments per 1,000 residents24.4
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.
Gilpin County
What is being built in Gilpin County
- Housing units authorised by permit, 202424
- Declared construction value permitted$10.9 m
- Single family units authorised24
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$455,711
- Units authorised per 1,000 households7.7
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gilpin County
How much SBA lending happens in Gilpin County
- 7(a) approvals recorded6
- 7(a) gross approval dollars$2.4 m
- Average 7(a) approval$401,300
- Median 7(a) approval$250,000
- 10th percentile approval$10,000
- 90th percentile approval$1,400,000
- Largest single approval$1,400,000
- Jobs reported supported, 7(a)18
- Jobs per approval3.0
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals6
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter4
- Franchise loans0
- Franchise share of approvals0.0 percent
- Leading industry by approval countBreweries (1)
- Most active lenderU.S. Bank, National Association (3)
- 504 approvals recorded1
- 504 gross approval dollars$892,000
- Average 504 approval$892,000
- Median 504 approval$892,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved1.1
- Most active CDCB:Side Capital (1)
- 7(a) share of SBA approvals85.7 percent
- Combined SBA approval dollars$3.3 m
The average approval of $401,300 sits well above the median of $250,000, 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. 33.3 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.
Gilpin County
Do SBA loans in Gilpin County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure5
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Gilpin County
Which parts of Gilpin County get the lending
- Places in the county with recorded lending2
- BLACK HAWK, approvals5
- CENTRAL CITY, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BLACK HAWK | 5 | $2,327,800 |
| CENTRAL CITY | 1 | $80,000 |
BLACK HAWK accounts for 5 approvals against 1 in CENTRAL 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.
Gilpin County
How big is Gilpin County
- Land area150 sq mi
- Rank by land area among Colorado counties63rd of 64
- Width, east to west15.6 mi
- Height, north to south13 mi
- Geographies sharing a boundary4
- Residents per square mile of land39
- Establishments per square mile0.96
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 Gilpin 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 Gilpin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,901
- Households3,122
- Average household size1.89
- Median household income$95,361
- Median age47.2
Common questions
Gilpin County questions, answered from the record.
How many people live in Gilpin County, Colorado?
5,901, in 3,122 households, ranking 47th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gilpin County growing?
The population has grown 2.77 percent since the 2020 census base. In 2024 there were 43 births against 51 deaths, with net migration of 49. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gilpin County?
$95,361. The median owner-occupied home is valued at $573,900, which is 6.0 times income, and median gross rent is $1,658 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Gilpin County?
144 establishments, employing 4,513 people with an annual payroll of $249.9 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 Gilpin County?
Average annual pay is $67,931, or $1,306 a week, across 4,712 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gilpin County?
6 7(a) approvals totalling $2.4 m since FY2020, across 4 lenders, with a median approval of $250,000, plus 1 504 approvals worth $892,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Gilpin County?
24 housing units were authorised by permit in 2024, with a declared construction value of $10.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gilpin 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 Gilpin County come from?
The largest single origin is Gilpin County Non-migrants, with 2,229 households. Arriving households report an average income of $92,717 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 Gilpin 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 Gilpin 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.