Larimer County, Colorado: commercial real estate data.
Larimer County, Colorado has a population of 367,368 across 2,596 square miles, up 4.3 percent since the 2020 census base. County output reached $28.48 bn in 2024, 11,764 establishments operate here, and the SBA record carries 573 7(a) approvals worth $400.9 m.
123 sourced county values · tier FULL · 11 sections
Larimer County
How many people live in Larimer County
- Population367,368
- Households154,232
- Average household size2.38
- Median household income$93,765
- Median age36.8
- Median gross rent$1,716 per month
- Median owner-occupied home value$569,100
- Home value to household income6.1 times
- Annual rent as a share of median income22.0 percent
- Adults 25 and over with a bachelor degree or higher53.0 percent
- Adults 25 and over with a graduate degree21.5 percent
- Adults 25 and over247,787
- Population under 1867,339
- Share under 1818.3 percent
- Population 65 and over63,764
- Share 65 and over17.4 percent
- Working age population, 18 to 64236,265
- Civilian labor force205,963
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over68.6 percent
- Rank by population among Colorado counties7th of 64
- Rank by population among US county-equivalents205th
Larimer County is the 7th largest of 64 Colorado counties by population. A median home costs 6.1 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 18.3 percent against 17.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Larimer County
Is Larimer County growing
- Population change since the 2020 census base4.32 percent
- Census 2020 base population359,065
- Births, 20243,097
- Deaths, 20242,701
- Natural change, 2024396
- Net domestic migration, 20241,412
- Net international migration, 20241,220
- Total net migration, 20242,632
- Cumulative net domestic migration, 2021 to 20249,934
- Rank by growth among US county-equivalents638th
The county has grown 4.32 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.
Larimer County
Where people moving to Larimer County come from
- Tax returns filed by households arriving15,191
- People arriving, from those returns23,941
- Adjusted gross income arriving$1.25 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$82,449
- Largest single originLarimer County Non-migrants (140,456 households)
- Largest single destination (140,456 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Larimer County Non-migrants | 140,456 | 267,379 | $15.58 bn |
| Other flows - Different State | 4,362 | 6,805 | $319.3 m |
| Weld County | 2,039 | 3,426 | $144.5 m |
| Other flows - South | 1,588 | 2,595 | $116.4 m |
| Other flows - Midwest | 1,258 | 1,859 | $80.5 m |
| Boulder County | 1,117 | 1,794 | $98.2 m |
| Other flows - West | 916 | 1,516 | $73.8 m |
| Denver County | 666 | 899 | $56.6 m |
The largest single source of arrivals is Larimer 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.
Larimer County
What the Larimer County economy runs on
- County GDP, 2024$28.48 bn
- County GDP, 2023$27.41 bn
- GDP change, 2023 to 20243.9 percent
- GDP change over five years32.4 percent
- Rank by GDP among Colorado counties9th
- Rank by GDP among US county-equivalents204th
- GDP per resident$77,534
Output grew 3.9 percent in the latest year and 32.4 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.
Larimer County
Who employs people in Larimer County
- Covered employment, annual average175,265
- Establishments reporting15,314
- Average annual pay$69,912
- Average weekly wage$1,344
- Sector 72, employment19,168
- Sector 72, average annual pay$29,279
- Sector 44-45, employment19,158
- Sector 44-45, average annual pay$39,989
- Sector 62, employment18,126
- Sector 62, average annual pay$63,012
- Sector 31-33, employment14,721
- Sector 31-33, average annual pay$121,360
- Sector 54, employment13,399
- Sector 23, employment11,069
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 19,168 | 979 | $29,279 |
| Sector 44-45 | 19,158 | 1,198 | $39,989 |
| Sector 62 | 18,126 | 1,569 | $63,012 |
| Sector 31-33 | 14,721 | 536 | $121,360 |
| Sector 54 | 13,399 | 3,383 | $124,674 |
| Sector 23 | 11,069 | 1,436 | $74,351 |
| Sector 56 | 7,530 | 810 | $55,597 |
| Sector 42 | 5,917 | 840 | $108,191 |
The largest sector is the biggest private employer group at 19,168 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.
Larimer County
What businesses operate in Larimer County
- Establishments, all industries11,764
- Employment at those establishments139,517
- Annual payroll$8.77 bn
- Establishments per 1,000 residents32.0
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.
Larimer County
What is being built in Larimer County
- Housing units authorised by permit, 20241,786
- Declared construction value permitted$594.5 m
- Single family units authorised1,370
- Multifamily units authorised416
- Multifamily share of units23.3 percent
- Average declared value per unit$332,894
- Units authorised per 1,000 households11.6
Multifamily is 23.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Larimer County
How much SBA lending happens in Larimer County
- 7(a) approvals recorded573
- 7(a) gross approval dollars$400.9 m
- Average 7(a) approval$699,663
- Median 7(a) approval$300,000
- 10th percentile approval$30,000
- 90th percentile approval$1,860,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)6,497
- Jobs per approval11.3
- Distinct 7(a) lenders active97
- Distinct industries receiving approvals193
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.2 percent
- Loans on real estate terms87
- Loans on working capital terms, 120 months or shorter455
- Franchise loans93
- Franchise share of approvals16.2 percent
- Leading industry by approval countLimited-Service Restaurants (26)
- Most active lenderThe Huntington National Bank (62)
- 504 approvals recorded396
- 504 gross approval dollars$260.0 m
- Average 504 approval$656,520
- Median 504 approval$451,000
- Distinct CDCs active6
- 504 jobs per approval6.9
- 504 jobs per million dollars approved10.6
- Most active CDCB:Side Capital (341)
- 7(a) share of SBA approvals59.1 percent
- Combined SBA approval dollars$660.9 m
The average approval of $699,663 sits well above the median of $300,000, 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. Only 15.2 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.
Larimer County
Do SBA loans in Larimer County get paid back
- Loans with a final outcome recorded118
- Paid in full106
- Charged off12
- Charge off rate on resolved loans10.2 percent
- Status: Paid in full106
- Status: Exempt from disclosure369
- Status: Cancelled58
- Status: Charged off12
- Status: Committed, not yet disbursed28
| NAICS | Industry | Resolved loans | Charged off | Charge off rate |
|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 11 | 0 | 0.0% |
Of the 118 loans that have reached a final outcome, 10.2 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. Among industries with at least ten resolved loans, Limited-Service Restaurants carries the highest charge off rate at 0.0 percent.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Larimer County
Which parts of Larimer County get the lending
- Places in the county with recorded lending18
- FORT COLLINS, approvals274
- Loveland, approvals180
- Berthoud, approvals35
- ESTES PARK, approvals24
- TIMNATH, approvals16
- WINDSOR, approvals12
| Place | Approvals | Gross approval dollars |
|---|---|---|
| FORT COLLINS | 274 | $159,145,600 |
| Loveland | 180 | $147,847,900 |
| Berthoud | 35 | $34,360,500 |
| ESTES PARK | 24 | $12,515,400 |
| TIMNATH | 16 | $15,628,600 |
| WINDSOR | 12 | $12,331,300 |
| Johnstown | 10 | $8,436,400 |
| Wellington | 9 | $6,843,000 |
FORT COLLINS accounts for 274 approvals against 180 in Loveland. 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.
Larimer County
How big is Larimer County
- Land area2,596 sq mi
- Rank by land area among Colorado counties9th of 64
- Width, east to west65.3 mi
- Height, north to south50.9 mi
- Geographies sharing a boundary4
- Residents per square mile of land142
- Establishments per square mile4.53
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 Larimer 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 Larimer County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population367,368
- Households154,232
- Average household size2.38
- Median household income$93,765
- Median age36.8
Common questions
Larimer County questions, answered from the record.
How many people live in Larimer County, Colorado?
367,368, in 154,232 households, ranking 7th of 64 Colorado counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Larimer County growing?
The population has grown 4.32 percent since the 2020 census base. In 2024 there were 3,097 births against 2,701 deaths, with net migration of 2,632. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Larimer County?
$93,765. The median owner-occupied home is valued at $569,100, which is 6.1 times income, and median gross rent is $1,716 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Larimer County?
11,764 establishments, employing 139,517 people with an annual payroll of $8.77 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 Larimer County?
Average annual pay is $69,912, or $1,344 a week, across 175,265 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Larimer County?
573 7(a) approvals totalling $400.9 m since FY2020, across 97 lenders, with a median approval of $300,000, plus 396 504 approvals worth $260.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Larimer County get paid back?
Of the 118 loans that have reached a final outcome, 106 were paid in full and 12 charged off, a charge off rate of 10.2 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Larimer County?
1,786 housing units were authorised by permit in 2024, with a declared construction value of $594.5 m. Multifamily was 23.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Larimer 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 Larimer County come from?
The largest single origin is Larimer County Non-migrants, with 140,456 households. Arriving households report an average income of $82,449 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 Larimer 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 Larimer 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.