Cochise County, Arizona: commercial real estate data.
Cochise County, Arizona has a population of 125,566 across 6,166 square miles, up 0.3 percent since the 2020 census base. County output reached $6.58 bn in 2024, 2,189 establishments operate here, and the SBA record carries 87 7(a) approvals worth $49.8 m.
128 sourced county values · tier FULL · 12 sections
Cochise County
How many people live in Cochise County
- Population125,566
- Households50,982
- Average household size2.46
- Median household income$59,742
- Median age43.0
- Median gross rent$995 per month
- Median owner-occupied home value$218,300
- Home value to household income3.7 times
- Annual rent as a share of median income20.0 percent
- Adults 25 and over with a bachelor degree or higher28.1 percent
- Adults 25 and over with a graduate degree11.2 percent
- Adults 25 and over89,778
- Population under 1825,890
- Share under 1820.6 percent
- Population 65 and over31,164
- Share 65 and over24.8 percent
- Working age population, 18 to 6468,512
- Civilian labor force47,083
- Unemployment rate7.4 percent
- Labor force participation, adults 18 and over47.2 percent
- Rank by population among Arizona counties8th of 15
- Rank by population among US county-equivalents519th
Cochise County is the 8th largest of 15 Arizona counties by population. A median home costs 3.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 24.8 percent against 20.6 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.
Cochise County
Is Cochise County growing
- Population change since the 2020 census base0.27 percent
- Census 2020 base population125,440
- Births, 20241,230
- Deaths, 20241,572
- Natural change, 2024-342
- Net domestic migration, 2024581
- Net international migration, 2024646
- Total net migration, 20241,227
- Cumulative net domestic migration, 2021 to 2024466
- Rank by growth among US county-equivalents1729th
The county has grown 0.27 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.
Cochise County
Where people moving to Cochise County come from
- Tax returns filed by households arriving4,280
- People arriving, from those returns8,082
- Adjusted gross income arriving$244.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$57,228
- Largest single originCochise County Non-migrants (44,841 households)
- Largest single destination (44,841 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cochise County Non-migrants | 44,841 | 91,769 | $2.72 bn |
| Other flows - Different State | 2,002 | 3,691 | $117.7 m |
| Other flows - West | 720 | 1,285 | $43.1 m |
| Pima County | 714 | 1,254 | $34.5 m |
| Other flows - South | 711 | 1,412 | $43.5 m |
| Maricopa County | 430 | 802 | $23.6 m |
| Other flows - Midwest | 417 | 734 | $23.8 m |
| Other flows - Northeast | 154 | 260 | $7.3 m |
The largest single source of arrivals is Cochise 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.
Cochise County
What the Cochise County economy runs on
- County GDP, 2024$6.58 bn
- County GDP, 2023$6.23 bn
- GDP change, 2023 to 20245.6 percent
- GDP change over five years22.6 percent
- Rank by GDP among Arizona counties8th
- Rank by GDP among US county-equivalents609th
- GDP per resident$52,373
Output grew 5.6 percent in the latest year and 22.6 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.
Cochise County
Who employs people in Cochise County
- Covered employment, annual average34,954
- Establishments reporting2,604
- Average annual pay$59,877
- Average weekly wage$1,151
- Sector 44-45, employment4,553
- Sector 44-45, average annual pay$33,638
- Sector 62, employment4,243
- Sector 62, average annual pay$59,999
- Sector 72, employment3,308
- Sector 72, average annual pay$24,672
- Sector 54, employment2,512
- Sector 54, average annual pay$89,580
- Sector 23, employment2,097
- Sector 56, employment1,089
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 4,553 | 292 | $33,638 |
| Sector 62 | 4,243 | 301 | $59,999 |
| Sector 72 | 3,308 | 264 | $24,672 |
| Sector 54 | 2,512 | 298 | $89,580 |
| Sector 23 | 2,097 | 241 | $57,904 |
| Sector 56 | 1,089 | 126 | $44,527 |
| Sector 11 | 1,042 | 73 | $50,105 |
| Sector 48-49 | 835 | 79 | $62,108 |
The largest sector is the biggest private employer group at 4,553 jobs, 13.0 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cochise County
What businesses operate in Cochise County
- Establishments, all industries2,189
- Employment at those establishments26,077
- Annual payroll$1.18 bn
- Establishments per 1,000 residents17.4
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.
Cochise County
What is being built in Cochise County
- Housing units authorised by permit, 2024441
- Declared construction value permitted$62.0 m
- Single family units authorised435
- Multifamily units authorised6
- Multifamily share of units1.4 percent
- Average declared value per unit$140,556
- Units authorised per 1,000 households8.7
Multifamily is 1.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cochise County
How much SBA lending happens in Cochise County
- 7(a) approvals recorded87
- 7(a) gross approval dollars$49.8 m
- Average 7(a) approval$572,770
- Median 7(a) approval$170,000
- 10th percentile approval$20,000
- 90th percentile approval$1,600,000
- Largest single approval$3,625,000
- Jobs reported supported, 7(a)718
- Jobs per approval8.3
- Distinct 7(a) lenders active33
- Distinct industries receiving approvals59
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer39.1 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter47
- Franchise loans15
- Franchise share of approvals17.2 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (9)
- Most active lenderZions Bank, A Division of (16)
- 504 approvals recorded18
- 504 gross approval dollars$13.9 m
- Average 504 approval$773,444
- Median 504 approval$742,000
- Distinct CDCs active4
- 504 jobs per approval10.9
- 504 jobs per million dollars approved14.1
- Most active CDCArizona Capital Source (9)
- 7(a) share of SBA approvals82.9 percent
- Combined SBA approval dollars$63.8 m
The average approval of $572,770 sits well above the median of $170,000, 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. 39.1 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Cochise County
Do SBA loans in Cochise County get paid back
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full12
- Status: Exempt from disclosure60
- Status: Cancelled10
- Status: Committed, not yet disbursed5
Of the 12 loans that have reached a final outcome, 0.0 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.
Cochise County
Which parts of Cochise County get the lending
- Places in the county with recorded lending13
- SIERRA VISTA, approvals33
- Benson, approvals16
- Douglas, approvals9
- WILLCOX, approvals8
- HEREFORD, approvals7
- TOMBSTONE, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SIERRA VISTA | 33 | $20,187,600 |
| Benson | 16 | $8,126,600 |
| Douglas | 9 | $2,485,000 |
| WILLCOX | 8 | $9,113,000 |
| HEREFORD | 7 | $2,829,700 |
| TOMBSTONE | 5 | $4,038,700 |
| Huachuca City | 2 | $597,500 |
| Pearce | 2 | $643,000 |
SIERRA VISTA accounts for 33 approvals against 16 in Benson. 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.
Cochise County
How big is Cochise County
- Land area6,166 sq mi
- Rank by land area among Arizona counties8th of 15
- Width, east to west82.9 mi
- Height, north to south75.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land20
- Establishments per square mile0.36
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.
Cochise County
What hazards affect Cochise County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class3
The EPA places the county in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The best Community Rating System class in the county is 9, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- 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 Cochise 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 Cochise County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population125,566
- Households50,982
- Average household size2.46
- Median household income$59,742
- Median age43.0
Common questions
Cochise County questions, answered from the record.
How many people live in Cochise County, Arizona?
125,566, in 50,982 households, ranking 8th of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cochise County growing?
The population has grown 0.27 percent since the 2020 census base. In 2024 there were 1,230 births against 1,572 deaths, with net migration of 1,227. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cochise County?
$59,742. The median owner-occupied home is valued at $218,300, which is 3.7 times income, and median gross rent is $995 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cochise County?
2,189 establishments, employing 26,077 people with an annual payroll of $1.18 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 Cochise County?
Average annual pay is $59,877, or $1,151 a week, across 34,954 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cochise County?
87 7(a) approvals totalling $49.8 m since FY2020, across 33 lenders, with a median approval of $170,000, plus 18 504 approvals worth $13.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cochise County get paid back?
Of the 12 loans that have reached a final outcome, 12 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Cochise County?
441 housing units were authorised by permit in 2024, with a declared construction value of $62.0 m. Multifamily was 1.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cochise 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 Cochise County come from?
The largest single origin is Cochise County Non-migrants, with 44,841 households. Arriving households report an average income of $57,228 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 Cochise 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 Cochise 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.