Lincoln highlight
Rapidly growing Sacramento-region community
One of the United States' fastest-growing cities, Lincoln surged 282 percent between 2000 and 2010, driven by suburban expansion from the Sacramento Valley and a growing appeal to families and professionals.
Lincoln was founded in 1859 as a railroad terminus along the California Central Railroad, surveyed by Theodore Judah at a site that would become, in the words of California railroad historians, probably the first intentionally platted railroad town in California. After the railroad line extended further north in the following years, the town settled into a quieter existence through much of the twentieth century. Growth remained modest until the mid-1990s.
Starting in the mid-1990s, suburban development from the Sacramento Valley accelerated northward. The transformation was extraordinary: between 2000 and 2010, Lincoln grew 282 percent—making it the fastest-growing city over 10,000 people in the entire United States during that decade. The 2020 Census counted 49,757 residents, a scale that requires new schools, libraries, parks and services at a pace no small town had previously experienced.
Growth at that speed means young families, established professionals, and multigenerational households arrive every month. A neighborhood needs life insurance less as an idea and more as a practical question: a term policy matched to a mortgage, to school years, to a working career, answers it directly.