Lincoln County, Oregon: commercial real estate data.
Lincoln County, Oregon has a population of 50,964 across 980 square miles, up 1.6 percent since the 2020 census base. County output reached $2.77 bn in 2024, 1,613 establishments operate here, and the SBA record carries 155 7(a) approvals worth $34.0 m.
123 sourced county values · tier FULL · 11 sections
Lincoln County
How many people live in Lincoln County
- Population50,964
- Households23,115
- Average household size2.20
- Median household income$63,165
- Median age52.7
- Median gross rent$1,201 per month
- Median owner-occupied home value$410,800
- Home value to household income6.5 times
- Annual rent as a share of median income22.8 percent
- Adults 25 and over with a bachelor degree or higher28.6 percent
- Adults 25 and over with a graduate degree12.3 percent
- Adults 25 and over39,853
- Population under 187,903
- Share under 1815.5 percent
- Population 65 and over16,227
- Share 65 and over31.8 percent
- Working age population, 18 to 6426,834
- Civilian labor force21,466
- Unemployment rate8.0 percent
- Labor force participation, adults 18 and over49.9 percent
- Rank by population among Oregon counties18th of 36
- Rank by population among US county-equivalents1004th
Lincoln County is the 18th largest of 36 Oregon counties by population. A median home costs 6.5 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 31.8 percent against 15.5 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.
Lincoln County
Is Lincoln County growing
- Population change since the 2020 census base1.61 percent
- Census 2020 base population50,402
- Births, 2024352
- Deaths, 2024787
- Natural change, 2024-435
- Net domestic migration, 2024173
- Net international migration, 2024170
- Total net migration, 2024343
- Cumulative net domestic migration, 2021 to 20241,968
- Rank by growth among US county-equivalents1298th
The county has grown 1.61 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.
Lincoln County
Where people moving to Lincoln County come from
- Tax returns filed by households arriving1,947
- People arriving, from those returns3,203
- Adjusted gross income arriving$163.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$83,701
- Largest single originLincoln County Non-migrants (18,748 households)
- Largest single destination (18,748 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Lincoln County Non-migrants | 18,748 | 34,213 | $1.40 bn |
| Other flows - Different State | 778 | 1,283 | $58.2 m |
| Other flows - West | 520 | 869 | $41.2 m |
| Multnomah County | 165 | 249 | $18.4 m |
| Other flows - South | 137 | 208 | $8.6 m |
| Lane County | 103 | 145 | $6.3 m |
| Other flows - Same State | 101 | 169 | $5.3 m |
| Marion County | 97 | 164 | $5.3 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$2.77 bn
- County GDP, 2023$2.63 bn
- GDP change, 2023 to 20245.2 percent
- GDP change over five years34.1 percent
- Rank by GDP among Oregon counties17th
- Rank by GDP among US county-equivalents1036th
- GDP per resident$54,291
Output grew 5.2 percent in the latest year and 34.1 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.
Lincoln County
Who employs people in Lincoln County
- Covered employment, annual average18,607
- Establishments reporting2,097
- Average annual pay$50,886
- Average weekly wage$979
- Sector 72, employment4,586
- Sector 72, average annual pay$32,088
- Sector 44-45, employment2,718
- Sector 44-45, average annual pay$34,045
- Sector 62, employment2,106
- Sector 62, average annual pay$64,822
- Sector 31-33, employment895
- Sector 31-33, average annual pay$77,782
- Sector 23, employment831
- Sector 56, employment696
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 4,586 | 325 | $32,088 |
| Sector 44-45 | 2,718 | 274 | $34,045 |
| Sector 62 | 2,106 | 224 | $64,822 |
| Sector 31-33 | 895 | 58 | $77,782 |
| Sector 23 | 831 | 222 | $55,233 |
| Sector 56 | 696 | 93 | $39,623 |
| Sector 53 | 497 | 88 | $37,733 |
| Sector 81 | 443 | 164 | $36,519 |
The largest sector is the biggest private employer group at 4,586 jobs, 24.6 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 industries1,613
- Employment at those establishments14,839
- Annual payroll$660.2 m
- Establishments per 1,000 residents31.6
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, 2024280
- Declared construction value permitted$84.7 m
- Single family units authorised147
- Multifamily units authorised133
- Multifamily share of units47.5 percent
- Average declared value per unit$302,657
- Units authorised per 1,000 households12.1
Multifamily is 47.5 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Lincoln County
How much SBA lending happens in Lincoln County
- 7(a) approvals recorded155
- 7(a) gross approval dollars$34.0 m
- Average 7(a) approval$219,646
- Median 7(a) approval$25,000
- 10th percentile approval$25,000
- 90th percentile approval$425,000
- Largest single approval$4,085,000
- Jobs reported supported, 7(a)880
- Jobs per approval5.7
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals78
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.6 percent
- Loans on real estate terms18
- Loans on working capital terms, 120 months or shorter136
- Franchise loans7
- Franchise share of approvals4.5 percent
- Leading industry by approval countResidential Remodelers (11)
- Most active lenderColumbia Bank (61)
- 504 approvals recorded16
- 504 gross approval dollars$19.8 m
- Average 504 approval$1,235,125
- Median 504 approval$853,000
- Distinct CDCs active7
- 504 jobs per approval8.9
- 504 jobs per million dollars approved7.2
- Most active CDCEvergreen Business Capital (5)
- 7(a) share of SBA approvals90.6 percent
- Combined SBA approval dollars$53.8 m
The average approval of $219,646 sits well above the median of $25,000, 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 11.6 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 recorded31
- Paid in full29
- Charged off2
- Charge off rate on resolved loans6.5 percent
- Status: Exempt from disclosure80
- Status: Cancelled37
- Status: Charged off2
- Status: Paid in full29
- Status: Committed, not yet disbursed7
Of the 31 loans that have reached a final outcome, 6.5 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.
Lincoln County
Which parts of Lincoln County get the lending
- Places in the county with recorded lending13
- NEWPORT, approvals42
- LINCOLN CITY, approvals37
- DEPOE BAY, approvals17
- WALDPORT, approvals15
- SOUTH BEACH, approvals11
- YACHATS, approvals9
| Place | Approvals | Gross approval dollars |
|---|---|---|
| NEWPORT | 42 | $6,162,100 |
| LINCOLN CITY | 37 | $21,287,900 |
| DEPOE BAY | 17 | $925,000 |
| WALDPORT | 15 | $2,981,100 |
| SOUTH BEACH | 11 | $325,000 |
| YACHATS | 9 | $300,000 |
| TOLEDO | 8 | $203,000 |
| OTIS | 6 | $1,256,000 |
NEWPORT accounts for 42 approvals against 37 in LINCOLN 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.
Lincoln County
How big is Lincoln County
- Land area980 sq mi
- Rank by land area among Oregon counties27th of 36
- Width, east to west25.5 mi
- Height, north to south53.1 mi
- Geographies sharing a boundary4
- Residents per square mile of land52
- Establishments per square mile1.65
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.
- Population50,964
- Households23,115
- Average household size2.20
- Median household income$63,165
- Median age52.7
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Oregon?
50,964, in 23,115 households, ranking 18th of 36 Oregon counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lincoln County growing?
The population has grown 1.61 percent since the 2020 census base. In 2024 there were 352 births against 787 deaths, with net migration of 343. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$63,165. The median owner-occupied home is valued at $410,800, which is 6.5 times income, and median gross rent is $1,201 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Lincoln County?
1,613 establishments, employing 14,839 people with an annual payroll of $660.2 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 $50,886, or $979 a week, across 18,607 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?
155 7(a) approvals totalling $34.0 m since FY2020, across 23 lenders, with a median approval of $25,000, plus 16 504 approvals worth $19.8 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Lincoln County get paid back?
Of the 31 loans that have reached a final outcome, 29 were paid in full and 2 charged off, a charge off rate of 6.5 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Lincoln County?
280 housing units were authorised by permit in 2024, with a declared construction value of $84.7 m. Multifamily was 47.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lincoln County?
Zone 3, a predicted average indoor radon screening level less than 2 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 18,748 households. Arriving households report an average income of $83,701 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.