Median Income
$45,912
39% lower than US avg
Home Value
$286,200
2% higher than US avg
Violent Crime
454/100K
19% higher than US avg
Bachelor's+
27.7%
18% lower than US avg
Median Rent
$764
34% lower than US avg
Obesity Rate
32.2%
0% lower than US avg
Unemployment
0.6%
83% lower than US avg
Poverty Rate
3.2%
74% lower than US avg
How Lincoln Compares to the U.S. Average (100% = U.S. avg)
People
Population868
Median Age56.8 yrs
Density49/mi²
Male / Female56% / 45%
Largest GroupWhite 95%
Veterans10.6%
Economy
B+
Median Income$45,912
Per Capita$39,307
Unemployment0.6%
Poverty3.2%
County GDP$356M
Commute11 min
Housing
B
Home Value$286,200
Rent$764
Ownership85.7%
Zillow$348,863
Housing Units717
Rent Burden10.0%
Crime
F
Violent454/100K
Property3,761/100K
Health
Obesity32.2%
Uninsured10.0%
Smoking14.7%
Depression27.0%
Heart Disease5.3%
Climate
Avg Temp41°F (5°C)
AQI49 (Good)
Rain18.8 in/yr
Sunny Days273/yr
Elevation4,557 ft (1,389 m)
Education
B
Bachelor's+27.7%
High School+94.6%
Graduate+0.6%
School Score5.71
Community
2024 VoteR 75% / D 22%
Commute11 min
Broadband83.5%
Libraries1
Is Lincoln a Good Place to Live?
Based on current data, Lincoln receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low unemployment, abundant sunshine, a low poverty rate. Areas to be aware of include below-average incomes. Lincoln has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Lincoln is $45,912, 39% below the national average of $75,149. The job market is very strong with unemployment at just 0.6%. Only 3.2% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 11 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Lincoln is $286,200, roughly aligned with the national median of $281,900. Renters pay a median of $764 per month, below the national average / a plus for affordability. The price-to-income ratio of 6.2x means housing costs are stretched relative to local earnings.
Safety & Crime
The violent crime rate of 454 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 3,761 per 100,000, 92% above the national average.
Education
27.7% of residents hold a bachelor's degree, below the national average of 33.7%. 94.6% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Lincoln has a cool climate with an average annual temperature of 41°F. Winters average 22°F in January while summers reach 63°F in July. With 273 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 18.8 inches. Air quality is rated Good with a median AQI of 49.
Lincoln has a population of 868 with a density of 49 people per square mile, spread across 18.1 square miles. The median age is 56.8 years, 46% older than the national median of 38.9. The gender split is 44.5% female and 55.5% male. The city is predominantly White (94.5%), with 4.6% Hispanic. English is the primary language spoken at home by 99.1% of residents. 10.6% of the population are veterans, above the national rate of 6.0%. 17.4% of residents have a disability (above the 13.0% national average). 80.7% have health insurance coverage.
Population
56.8yrs
Median Age
46% above US avg
Language Spoken at Home
English Only
99.1%
26% above US avg
Spanish
0.9%
93% below US avg
The median household income in Lincoln is $45,912, which is 39% below the national average of $75,149. Per capita income is $39,307. The average weekly wage is $1,124, 22% lower than the U.S. average. The unemployment rate is 0.6% (below the 3.6% US average). 3.2% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 250 business establishments, including 25 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 11 minutes (shorter than the 28-minute US average). 37.4% of workers work from home (above the 15.2% national rate).
Income
| Median HH Income | $45,912 |
| 39% below US avg |
| Per Capita Income | $39,307 |
| Avg Weekly Wage | $1,124 |
| IRS Avg AGI | $78,106 |
| Gini Index | 0.456 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.6% |
| 83% below US avg |
| Poverty Rate | 3.2% |
| 74% below US avg |
| Establishments (County) | 250 |
| County GDP | $356M |
Business (County)
| Restaurants | 25 |
| Healthcare | 16 |
| Retail | 15 |
| Manufacturing | 6 |
Tax & Cost of Living
| Property Tax (IRS) | $3,515 |
| 0% below US avg |
| Cost of Living | 94.60 (100=avg) |
| Effective Tax Rate | 1.23% |
Commute & Transportation
| Commute Time | 11.1 min |
| Drive Alone | 60.1% |
| Public Transit | 0.9% |
| Work from Home | 37.4% |
The median home value in Lincoln is $286,200, 2% above the national median of $281,900. Zillow estimates the typical home value at $348,863, higher than the Census estimate. Monthly rent averages $764 (34% below the national average of $1,163). Fair market rent ranges from $1,067 for a one-bedroom to $1,170 for a two-bedroom apartment. 85.7% of housing units are owner-occupied (above the 65.4% national rate). There are 717 total housing units in the city. The median year a home was built is 1974. The average annual property tax is $3,515. 10.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 6.2x, above the traditionally affordable threshold of 3-4x.
Home Values
| Census Median | $286,200 |
| 2% above US avg |
| Zillow ZHVI | $348,863 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $764 |
| 34% below US avg |
| Rent Burden | 10.0% |
HUD Fair Market Rent
| Studio | $919 |
| 1 Bedroom | $1,067 |
| 2 Bedrooms | $1,170 |
| 3 Bedrooms | $1,627 |
| 4 Bedrooms | $1,892 |
Ownership & Property
| Homeownership | 85.7% |
| Owner-Occupied | 85.7% |
| Renter-Occupied | 14.3% |
| Housing Units | 717 |
| Median Year Built | 1974 |
Property Tax
| Avg Tax (IRS) | $3,515 |
| 0% below US avg |
| Effective Rate | 1.23% |
In Lincoln, 32.2% of adults are obese, below the national rate of 32.1%. 8.2% have diabetes (below the 10.5% national rate). Heart disease affects 5.3% of residents. 27.4% have high blood pressure. 14.7% are current smokers. 22.4% report binge drinking. 19.3% are physically inactive, below the national average. 27.0% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 10.0% of residents lack health insurance. The primary care physician ratio is 1:1,400. The dentist ratio is 1:3,526. 83.3% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Health Metrics: Lincoln vs U.S. Average (%)
Chronic Conditions
| Obesity | 32.2% |
| 0% below US avg |
| Diabetes | 8.2% |
| Heart Disease | 5.3% |
| High Blood Pressure | 27.4% |
| Asthma | 11.4% |
| COPD | 6.1% |
| Cancer | 7.5% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 14.7% |
| 5% above US avg |
| Binge Drinking | 22.4% |
| Physical Inactivity | 19.3% |
| Depression | 27.0% |
| Mental Distress | 19.2% |
| Physical Distress | 13.7% |
| Short Sleep | 31.7% |
Healthcare Access
| Insurance Rate | 80.7% |
| Uninsured | 10.0% |
| 16% above US avg |
| Primary Care | 1:1,400 |
| Dentists | 1:3,526 |
| Mental Health | 1:713 |
| Checkup Rate | 70.4% |
| Dental Visits | 62.3% |
| Premature Death | 9,728/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 83.3% |
| Healthcare Facilities | 16 |
Lincoln has a violent crime rate of 454 per 100,000 residents, 19% above the national average of 380. Property crime stands at 3,761 per 100,000, 92% above the U.S. average. The county recorded 3 fatal traffic crashes. The area has experienced 182 federally declared disasters. Overall, Lincoln receives a safety grade of F.
Crime Rates: Lincoln vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 454.0/100K |
| 19% above US avg |
| |
Property Crime
| Total Property | 3,761.4/100K |
| 92% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 72 |
| Avg Accident Severity | 2.0 / 4.0 |
| FEMA Disasters | 182 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Lincoln has a cool climate with an average annual temperature of 41°F (5°C). Winters average 22°F in January while summers reach 63°F in July. The area gets 273 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 18.8 inches (drier than the 38-inch national average). Air quality is rated Good with a median AQI of 49. 51% of days have good air quality. The city sits at an elevation of 4,557 feet.
Temperature
22°F Jan (-6°C)
63°F Jul (17°C)
| Annual Average | 41.0°F |
| 24% below US avg |
| January Average | 22°F (-6°C) |
| July Average | 63°F (17°C) |
| Sunny Days | 273 days/yr |
Geography
| Elevation | 4,557 ft (1,389 m) |
| Area | 18.1 sq mi (46.8 km²) |
| Population Density | 49/sq mi |
| Coordinates | 46.9534°N, 112.6715°W |
| Timezone | America/Denver |
| County | Powell County County |
| Nearest Airport | Helena Regional (HLN) 40 miles away |
Precipitation & Snow
Annual Rainfall
18.8"
51% below US avg
Wettest Month (May)
2.36"
Air Quality
| AQI Median | 49.0 |
| Rating | Good |
| Good Days % | 50.7% |
| Unhealthy Days | 2 |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 10.0 / 100 |
| Social Vulnerability | 58.1 / 100 |
| Community Resilience | 19.4 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Very Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Moderate |
| Avalanche |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
401 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.8. Most recent: M2.9 on Aug 15, 2025.
| Jul 6, 2017 |
11 km SE of Lincoln, Montana |
M5.8 |
11 km |
| Jul 6, 2017 |
15 km S of Lincoln, Montana |
M5.0 |
16 km |
| Jul 6, 2017 |
14 km SE of Lincoln, Montana |
M4.4 |
14 km |
| Jan 30, 2016 |
19 km E of Lincoln, Montana |
M4.3 |
19 km |
| Oct 28, 1998 |
18 km S of Whitehall, Montana |
M4.3 |
145 km |
| Apr 8, 2000 |
8 km ENE of Townsend, Montana |
M4.1 |
118 km |
| Apr 15, 1998 |
11 km NE of Swan Lake, Montana |
M4.1 |
143 km |
| Sep 3, 2016 |
16 km S of Whitehall, Montana |
M4.0 |
143 km |
| Mar 6, 2009 |
18 km S of Whitehall, Montana |
M4.0 |
145 km |
| Apr 1, 1992 |
10 km ESE of Swan Lake, Montana |
M4.0 |
131 km |
| Jul 17, 2017 |
12 km ESE of Lincoln, Montana |
M4.0 |
12 km |
| Jun 28, 2000 |
21 km SE of Clinton, Montana |
M4.0 |
75 km |
| Nov 10, 2000 |
14 km NE of Townsend, Montana |
M4.0 |
117 km |
| Jul 19, 2002 |
43 km NE of Seeley Lake, Montana |
M4.0 |
60 km |
| Jul 6, 2017 |
14 km SSE of Lincoln, Montana |
M4.0 |
14 km |
| Jun 2, 1996 |
37 km N of Ovando, Montana |
M3.9 |
53 km |
| Oct 19, 2017 |
12 km SE of Lincoln, Montana |
M3.9 |
12 km |
| Apr 1, 1993 |
15 km E of Lincoln, Montana |
M3.9 |
15 km |
| Feb 6, 1999 |
24 km E of Townsend, Montana |
M3.9 |
130 km |
| Mar 13, 2017 |
4 km ESE of Avon, Montana |
M3.8 |
43 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
19 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2.
| Date |
Rating |
Distance |
Fatalities |
| Jul 2, 1966 |
EF2 |
67 km |
0 |
| Jun 28, 1982 |
EF1 |
62 km |
0 |
| Jul 3, 1978 |
EF1 |
98 km |
0 |
| Jul 3, 1978 |
EF1 |
98 km |
0 |
| Jul 3, 1978 |
EF1 |
98 km |
0 |
| Jun 1, 1977 |
EF1 |
89 km |
0 |
| Jul 2, 1964 |
EF1 |
88 km |
0 |
| Jun 22, 1962 |
EF1 |
93 km |
0 |
| Sep 15, 1997 |
EF0 |
96 km |
0 |
| Jun 27, 1997 |
EF0 |
64 km |
0 |
| Aug 7, 1995 |
EF0 |
94 km |
0 |
| Jun 21, 1993 |
EF0 |
49 km |
0 |
| Jun 11, 1993 |
EF0 |
66 km |
0 |
| Jul 9, 1992 |
EF0 |
27 km |
0 |
| Aug 11, 1988 |
EF0 |
72 km |
0 |
| May 4, 1971 |
EF0 |
41 km |
0 |
| May 17, 1962 |
EF0 |
62 km |
0 |
| Jul 22, 1960 |
EF0 |
65 km |
0 |
| Jun 7, 1953 |
EF0 |
53 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: RICE RIDGE (171,473 ac, 2017).
| Year |
Name |
Acres |
Distance |
| 2017 |
RICE RIDGE |
171,473 |
54 km |
| 1988 |
CANYON CREEK |
167,875 |
32 km |
| 2007 |
SAWMILL COMPLEX (WYMAN 2) |
68,236 |
93 km |
| 2007 |
AHORN |
45,633 |
70 km |
| 1988 |
GATES PARK |
42,493 |
98 km |
| 2003 |
LINCOLN COMPLEX (SNOWBANK) |
36,987 |
16 km |
| 1988 |
CANYON CREEK |
35,865 |
88 km |
| 2007 |
JOCKO LAKES |
35,759 |
80 km |
| 2017 |
LITTLE HOGBACK |
34,646 |
92 km |
| 2003 |
LITTLE SALMON CREEK |
33,044 |
87 km |
| 2021 |
HARRIS MTN |
31,792 |
77 km |
| 2017 |
ALICE CREEK |
29,971 |
27 km |
| 2012 |
ELBOW PASS COMPLEX |
28,989 |
51 km |
| 2017 |
LIBERTY |
27,731 |
82 km |
| 2003 |
BARTLETT MOUNTAIN |
27,614 |
70 km |
| 1984 |
NORTH HILL |
27,162 |
61 km |
| 2000 |
CANYON FERRY COMPLEX (CAVE GULCH) |
26,997 |
85 km |
| 2021 |
HAYSTACK |
26,118 |
95 km |
| 2003 |
COONEY RIDGE |
25,741 |
93 km |
| 2007 |
CONGER CREEK |
22,936 |
38 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
22°F (-6°C) |
1.6 in |
|
| February |
25°F (-4°C) |
1.1 in |
Driest |
| March |
30°F (-1°C) |
1.1 in |
|
| April |
38°F (3°C) |
1.4 in |
|
| May |
46°F (8°C) |
2.4 in |
Wettest |
| June |
54°F (12°C) |
2.2 in |
|
| July |
63°F (17°C) |
1.3 in |
Warmest |
| August |
60°F (16°C) |
1.5 in |
|
| September |
51°F (11°C) |
1.4 in |
|
| October |
42°F (5°C) |
1.1 in |
|
| November |
29°F (-2°C) |
1.2 in |
|
| December |
21°F (-6°C) |
1.5 in |
Coldest |
Lincoln has a seasonal temperature swing of 41°F / from 21°F in December to 63°F in July. Total annual precipitation is 17.4 inches, with May being the wettest month (2.4") and February the driest (1.1").
Average costs for common services in Lincoln. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$237 ($142–$378) |
| Specialist Visit |
$331 ($189–$520) |
| Urgent Care Visit |
$189 ($95–$331) |
| Emergency Room Visit |
$2,081 ($757–$4,730) |
| Dental Cleaning |
$123 ($71–$189) |
| Dental Filling |
$237 ($142–$378) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$114) |
| Brake Pad Replacement |
$284 ($142–$473) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$568 ($378–$946) |
| Battery Replacement |
$189 ($95–$331) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$95 ($57–$142) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$378 ($142–$757) |
| HVAC System Install |
$6,622 ($3,784–$11,352) |
| Roof Repair |
$946 ($378–$1,892) |
| Roof Replacement |
$8,514 ($5,203–$14,190) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,419 ($473–$3,311) |
| Divorce (Contested) |
$14,190 ($4,730–$28,380) |
| DUI Defense |
$4,730 ($1,892–$9,460) |
| Bankruptcy (Chapter 7) |
$1,419 ($757–$2,838) |
| Will Preparation |
$473 ($189–$946) |
| Trust Preparation |
$2,365 ($946–$4,730) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$52 ($28–$95) |
| Hair Coloring (Full) |
$142 ($71–$237) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$76 ($47–$123) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.88 ($2.84–$5.20) |
| Dozen Eggs (per dozen) |
$3.31 ($2.37–$4.73) |
| Loaf of Bread |
$3.59 ($2.37–$5.20) |
| Chicken Breast (per lb) |
$4.26 ($2.84–$6.15) |
| Ground Beef (per lb) |
$5.20 ($3.78–$7.10) |
| Rice (per lb) |
$0.95 ($0.57–$1.70) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($76–$237) |
| Natural Gas (Monthly) |
$66 ($28–$142) |
| Water/Sewer (Monthly) |
$66 ($38–$114) |
| Internet (Monthly) |
$66 ($38–$95) |
| Cell Phone Plan (Monthly) |
$61 ($28–$95) |
| Cable TV (Monthly) |
$80 ($47–$142) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$189 ($71–$473) |
| Car Insurance (Annual) |
$1,892 ($1,135–$3,311) |
| Bus Pass (Monthly) |
$66 ($28–$123) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.57–$24) |
| Car Registration (Annual) |
$95 ($28–$237) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,135 ($568–$2,365) |
| Daycare (Toddler, Monthly) |
$946 ($473–$1,892) |
| After-School Care (Monthly) |
$378 ($189–$662) |
| Tutoring (Per Hour) |
$47 ($24–$95) |
| SAT/ACT Prep Course |
$946 ($378–$2,365) |
| Private School (K-12, Annual) |
$11,825 ($4,730–$28,380) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($28–$95) |
| Dog Vaccination (Annual) |
$95 ($47–$189) |
| Dog Grooming |
$57 ($28–$95) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$284 ($142–$473) |
| Cat Spay/Neuter |
$189 ($95–$378) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $939 |
| Toddler | $972 |
| Preschool | $838 |
| Family Childcare (monthly) |
| Infant | $757 |
| Toddler | $771 |
| Preschool | $771 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Lincoln
What is the population of Lincoln?
Lincoln has a population of 868 residents and is located in Montana. The population density is 49 people per square mile, spread across 18.1 square miles. The median age of residents is 56.8 years, which is older than the national median of 38.9 years. The population is 44.5% female and 55.5% male.
Is Lincoln expensive to live in?
Lincoln is more affordable than the national average, with a cost of living index of 94.6 / below the baseline of 100. The median household income is $45,912, 39% below the national average of $75,149. The median home value is $286,200 (2% above the U.S. median). Renters pay a median of $764 per month, below the national average of $1,163. The home price-to-income ratio is 6.2x, which means housing is a stretch relative to local earnings.
Is Lincoln safe?
The violent crime rate in Lincoln is 454 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 3,761 per 100,000 (above the national average). Overall, Lincoln receives a safety grade of F based on combined crime data.
What is the weather like in Lincoln?
Lincoln has a cool climate with an average annual temperature of 41°F (5°C). Winter temperatures average 22°F in January, while summers reach an average of 63°F in July. The area receives 273 sunny days per year, well above the national average of 205. Annual rainfall totals 18.8 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 49.
How is the job market in Lincoln?
The job market in Lincoln is very strong, with unemployment at just 0.6% / well below the national rate of 3.6%. The average weekly wage is $1,124. There are 250 business establishments in the area, including 25 restaurants and food service locations. The average commute time is 11 minutes, and 37.4% of workers work from home.
How much does housing cost in Lincoln?
The median home value in Lincoln is $286,200. Zillow estimates the typical home value at $348,863. For renters, the median monthly rent is $764. Fair market rent is $1,067 for a 1-bedroom and $1,170 for a 2-bedroom apartment. The homeownership rate is 85.7%. The average annual property tax is $3,515.
How are the schools in Lincoln?
Schools in Lincoln score 5.7 out of 10 on standardized testing, near the national average. 27.7% of adults in Lincoln hold a bachelor's degree or higher, below the national average of 33.7%. 94.6% have completed high school. 0.6% hold a graduate or professional degree.
How healthy is Lincoln?
The obesity rate in Lincoln is 32.2% (below the national rate of 32.1%). 14.7% of adults are smokers. 19.3% are physically inactive. 27.0% of residents report depression. 10.0% lack health insurance (above the national rate). 83.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,400.
What is transportation like in Lincoln?
The average commute in Lincoln is 11 minutes, shorter than the national average of 28 minutes. 60.1% of workers drive alone to work, and 37.4% work from home.
What are the demographics of Lincoln?
The racial and ethnic makeup of Lincoln is 94.5% White, 4.6% Hispanic or Latino. 99.1% of residents speak only English at home. 10.6% of the population are military veterans. 17.4% of residents have a disability. 80.7% have health insurance coverage.