Lincoln County, Missouri: commercial real estate data.
Lincoln County, Missouri has a population of 63,057 across 627 square miles, up 10.6 percent since the 2020 census base. County output reached $1.86 bn in 2024, 1,010 establishments operate here, and the SBA record carries 33 7(a) approvals worth $14.8 m.
121 sourced county values · tier FULL · 11 sections
Lincoln County
How many people live in Lincoln County
- Population63,057
- Households22,817
- Average household size2.76
- Median household income$89,278
- Median age37.5
- Median gross rent$961 per month
- Median owner-occupied home value$244,300
- Home value to household income2.7 times
- Annual rent as a share of median income12.9 percent
- Adults 25 and over with a bachelor degree or higher18.4 percent
- Adults 25 and over with a graduate degree5.2 percent
- Adults 25 and over42,591
- Population under 1815,810
- Share under 1825.1 percent
- Population 65 and over9,348
- Share 65 and over14.8 percent
- Working age population, 18 to 6437,899
- Civilian labor force31,665
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over67.0 percent
- Rank by population among Missouri counties18th of 115
- Rank by population among US county-equivalents865th
Lincoln County is the 18th largest of 115 Missouri counties by population. A median home costs 2.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.1 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lincoln County
Is Lincoln County growing
- Population change since the 2020 census base10.59 percent
- Census 2020 base population59,577
- Births, 2024808
- Deaths, 2024616
- Natural change, 2024192
- Net domestic migration, 2024938
- Net international migration, 202449
- Total net migration, 2024987
- Cumulative net domestic migration, 2021 to 20245,125
- Rank by growth among US county-equivalents133rd
The county has grown 10.59 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.
Lincoln County
Where people moving to Lincoln County come from
- Tax returns filed by households arriving2,163
- People arriving, from those returns4,018
- Adjusted gross income arriving$148.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$68,815
- Largest single originLincoln County Non-migrants (22,652 households)
- Largest single destination (22,652 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lincoln County Non-migrants | 22,652 | 48,644 | $1.61 bn |
| St. Charles County | 1,048 | 1,927 | $80.2 m |
| Other flows - Different State | 374 | 731 | $26.0 m |
| St. Louis County | 257 | 459 | $17.4 m |
| Other flows - Same State | 176 | 318 | $8.6 m |
| Other flows - Midwest | 131 | 252 | $8.4 m |
| Other flows - South | 131 | 270 | $9.7 m |
| Warren County | 124 | 245 | $6.0 m |
The largest single source of arrivals is Lincoln 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.
Lincoln County
What the Lincoln County economy runs on
- County GDP, 2024$1.86 bn
- County GDP, 2023$1.74 bn
- GDP change, 2023 to 20247.0 percent
- GDP change over five years39.7 percent
- Rank by GDP among Missouri counties30th
- Rank by GDP among US county-equivalents1348th
- GDP per resident$29,484
Output grew 7.0 percent in the latest year and 39.7 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
Who employs people in Lincoln County
- Covered employment, annual average12,799
- Establishments reporting1,204
- Average annual pay$53,839
- Average weekly wage$1,035
- Sector 31-33, employment1,989
- Sector 31-33, average annual pay$70,145
- Sector 44-45, employment1,719
- Sector 44-45, average annual pay$36,743
- Sector 23, employment1,242
- Sector 23, average annual pay$74,603
- Sector 62, employment1,136
- Sector 62, average annual pay$52,220
- Sector 72, employment1,099
- Sector 48-49, employment758
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,989 | 54 | $70,145 |
| Sector 44-45 | 1,719 | 152 | $36,743 |
| Sector 23 | 1,242 | 210 | $74,603 |
| Sector 62 | 1,136 | 198 | $52,220 |
| Sector 72 | 1,099 | 74 | $20,627 |
| Sector 48-49 | 758 | 44 | $62,601 |
| Sector 56 | 394 | 65 | $44,843 |
| Sector 52 | 367 | 60 | $69,956 |
The largest sector is the biggest private employer group at 1,989 jobs, 15.5 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.
Lincoln County
What businesses operate in Lincoln County
- Establishments, all industries1,010
- Employment at those establishments10,229
- Annual payroll$548.8 m
- Establishments per 1,000 residents16.0
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.
Lincoln County
What is being built in Lincoln County
- Housing units authorised by permit, 2024151
- Declared construction value permitted$24.1 m
- Single family units authorised121
- Multifamily units authorised30
- Multifamily share of units19.9 percent
- Average declared value per unit$159,821
- Units authorised per 1,000 households6.6
Multifamily is 19.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Lincoln County
How much SBA lending happens in Lincoln County
- 7(a) approvals recorded33
- 7(a) gross approval dollars$14.8 m
- Average 7(a) approval$449,461
- Median 7(a) approval$150,000
- 10th percentile approval$20,000
- 90th percentile approval$1,255,000
- Largest single approval$3,100,000
- Jobs reported supported, 7(a)264
- Jobs per approval8.0
- Distinct 7(a) lenders active20
- Distinct industries receiving approvals27
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer21.2 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter25
- Franchise loans1
- Franchise share of approvals3.0 percent
- Leading industry by approval countResidential Remodelers (3)
- Most active lenderU.S. Bank, National Association (6)
- 504 approvals recorded4
- 504 gross approval dollars$2.4 m
- Average 504 approval$588,000
- Median 504 approval$239,000
- Distinct CDCs active4
- 504 jobs per approval9.3
- 504 jobs per million dollars approved15.7
- Most active CDCSmall Business Growth Corporation (1)
- 7(a) share of SBA approvals89.2 percent
- Combined SBA approval dollars$17.2 m
The average approval of $449,461 sits well above the median of $150,000, 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 21.2 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.
Lincoln County
Do SBA loans in Lincoln County get paid back
- Loans with a final outcome recorded7
- Paid in full7
- Charged off0
- Status: Paid in full7
- Status: Cancelled4
- Status: Exempt from disclosure20
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 7 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.
Lincoln County
Which parts of Lincoln County get the lending
- Places in the county with recorded lending8
- Troy, approvals16
- MOSCOW MILLS, approvals6
- WINFIELD, approvals4
- ELSBERRY, approvals3
- FOLEY, approvals1
- Wright City, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Troy | 16 | $9,002,800 |
| MOSCOW MILLS | 6 | $315,900 |
| WINFIELD | 4 | $588,200 |
| ELSBERRY | 3 | $1,424,300 |
| FOLEY | 1 | $725,000 |
| Wright City | 1 | $2,000,000 |
| OLD MONROE | 1 | $726,000 |
| SILEX | 1 | $50,000 |
Troy accounts for 16 approvals against 6 in MOSCOW MILLS. 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 big is Lincoln County
- Land area627 sq mi
- Rank by land area among Missouri counties48th of 115
- Width, east to west32.2 mi
- Height, north to south24.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land101
- Establishments per square mile1.61
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 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.
- Population63,057
- Households22,817
- Average household size2.76
- Median household income$89,278
- Median age37.5
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Missouri?
63,057, in 22,817 households, ranking 18th of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lincoln County growing?
The population has grown 10.59 percent since the 2020 census base. In 2024 there were 808 births against 616 deaths, with net migration of 987. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$89,278. The median owner-occupied home is valued at $244,300, which is 2.7 times income, and median gross rent is $961 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lincoln County?
1,010 establishments, employing 10,229 people with an annual payroll of $548.8 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 Lincoln County?
Average annual pay is $53,839, or $1,035 a week, across 12,799 covered jobs. 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 totalling $14.8 m since FY2020, across 20 lenders, with a median approval of $150,000, plus 4 504 approvals worth $2.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Lincoln County?
151 housing units were authorised by permit in 2024, with a declared construction value of $24.1 m. Multifamily was 19.9 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 Lincoln County Non-migrants, with 22,652 households. Arriving households report an average income of $68,815 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 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?
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.