Coconino County, Arizona: commercial real estate data.
Coconino County, Arizona has a population of 144,508 across 18,619 square miles, up 0.0 percent since the 2020 census base. County output reached $10.66 bn in 2024, 3,955 establishments operate here, and the SBA record carries 153 7(a) approvals worth $144.1 m.
128 sourced county values · tier FULL · 12 sections
Coconino County
How many people live in Coconino County
- Population144,508
- Households55,118
- Average household size2.62
- Median household income$72,966
- Median age32.8
- Median gross rent$1,473 per month
- Median owner-occupied home value$448,000
- Home value to household income6.1 times
- Annual rent as a share of median income24.2 percent
- Adults 25 and over with a bachelor degree or higher40.3 percent
- Adults 25 and over with a graduate degree16.8 percent
- Adults 25 and over88,196
- Population under 1828,234
- Share under 1819.5 percent
- Population 65 and over20,960
- Share 65 and over14.5 percent
- Working age population, 18 to 6495,314
- Civilian labor force74,556
- Unemployment rate5.6 percent
- Labor force participation, adults 18 and over64.1 percent
- Rank by population among Arizona counties7th of 15
- Rank by population among US county-equivalents469th
Coconino County is the 7th largest of 15 Arizona counties by population. A median home costs 6.1 times median household income, which is a stretched ownership market and usually shows up as rental demand. Residents under 18 outnumber those 65 and over, at 19.5 percent against 14.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Coconino County
Is Coconino County growing
- Population change since the 2020 census base0.04 percent
- Census 2020 base population145,098
- Births, 20241,331
- Deaths, 20241,081
- Natural change, 2024250
- Net domestic migration, 2024-702
- Net international migration, 2024658
- Total net migration, 2024-44
- Cumulative net domestic migration, 2021 to 2024-2,589
- Rank by growth among US county-equivalents1807th
The county has grown 0.04 percent since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Coconino County
Where people moving to Coconino County come from
- Tax returns filed by households arriving4,909
- People arriving, from those returns7,633
- Adjusted gross income arriving$359.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$73,228
- Largest single originCoconino County Non-migrants (47,430 households)
- Largest single destination (47,430 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Coconino County Non-migrants | 47,430 | 92,446 | $3.97 bn |
| Other flows - Different State | 1,731 | 2,632 | $119.3 m |
| Maricopa County | 1,329 | 2,118 | $113.3 m |
| Other flows - West | 747 | 1,138 | $52.3 m |
| Other flows - South | 493 | 770 | $33.8 m |
| Other flows - Midwest | 333 | 513 | $21.3 m |
| Yavapai County | 329 | 469 | $18.7 m |
| Navajo County | 184 | 343 | $7.2 m |
The largest single source of arrivals is Coconino 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.
Coconino County
What the Coconino County economy runs on
- County GDP, 2024$10.66 bn
- County GDP, 2023$9.93 bn
- GDP change, 2023 to 20247.4 percent
- GDP change over five years41.1 percent
- Rank by GDP among Arizona counties6th
- Rank by GDP among US county-equivalents418th
- GDP per resident$73,783
Output grew 7.4 percent in the latest year and 41.1 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.
Coconino County
Who employs people in Coconino County
- Covered employment, annual average65,975
- Establishments reporting4,121
- Average annual pay$54,494
- Average weekly wage$1,048
- Sector 72, employment14,788
- Sector 72, average annual pay$32,649
- Sector 62, employment9,162
- Sector 62, average annual pay$69,569
- Sector 44-45, employment7,061
- Sector 44-45, average annual pay$38,685
- Sector 31-33, employment3,892
- Sector 31-33, average annual pay$77,970
- Sector 23, employment3,122
- Sector 71, employment2,125
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 14,788 | 510 | $32,649 |
| Sector 62 | 9,162 | 430 | $69,569 |
| Sector 44-45 | 7,061 | 448 | $38,685 |
| Sector 31-33 | 3,892 | 98 | $77,970 |
| Sector 23 | 3,122 | 410 | $58,667 |
| Sector 71 | 2,125 | 124 | $39,346 |
| Sector 56 | 1,982 | 231 | $42,499 |
| Sector 54 | 1,732 | 492 | $61,951 |
The largest sector is the biggest private employer group at 14,788 jobs, 22.4 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.
Coconino County
What businesses operate in Coconino County
- Establishments, all industries3,955
- Employment at those establishments51,178
- Annual payroll$2.41 bn
- Establishments per 1,000 residents27.4
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.
Coconino County
What is being built in Coconino County
- Housing units authorised by permit, 2024703
- Declared construction value permitted$202.3 m
- Single family units authorised331
- Multifamily units authorised372
- Multifamily share of units52.9 percent
- Average declared value per unit$287,835
- Units authorised per 1,000 households12.8
Multifamily is 52.9 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Coconino County
How much SBA lending happens in Coconino County
- 7(a) approvals recorded153
- 7(a) gross approval dollars$144.1 m
- Average 7(a) approval$941,975
- Median 7(a) approval$385,000
- 10th percentile approval$50,000
- 90th percentile approval$2,603,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,692
- Jobs per approval11.1
- Distinct 7(a) lenders active54
- Distinct industries receiving approvals75
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.4 percent
- Loans on real estate terms45
- Loans on working capital terms, 120 months or shorter102
- Franchise loans23
- Franchise share of approvals15.0 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (19)
- Most active lenderSt. Louis Bank (10)
- 504 approvals recorded68
- 504 gross approval dollars$77.1 m
- Average 504 approval$1,133,882
- Median 504 approval$580,000
- Distinct CDCs active4
- 504 jobs per approval12.6
- 504 jobs per million dollars approved11.1
- Most active CDCCDC Small Business Finance Corp. (23)
- 7(a) share of SBA approvals69.2 percent
- Combined SBA approval dollars$221.2 m
The average approval of $941,975 sits well above the median of $385,000, 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 29.4 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.
Coconino County
Do SBA loans in Coconino County get paid back
- Loans with a final outcome recorded32
- Paid in full32
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full32
- Status: Exempt from disclosure94
- Status: Cancelled19
- Status: Committed, not yet disbursed8
Of the 32 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.
Coconino County
Which parts of Coconino County get the lending
- Places in the county with recorded lending10
- Flagstaff, approvals91
- PAGE, approvals22
- Williams, approvals16
- SEDONA, approvals13
- FREDONIA, approvals3
- MUNDS PARK, approvals3
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Flagstaff | 91 | $74,873,700 |
| PAGE | 22 | $21,358,400 |
| Williams | 16 | $26,335,700 |
| SEDONA | 13 | $14,984,000 |
| FREDONIA | 3 | $923,600 |
| MUNDS PARK | 3 | $396,500 |
| Parks | 2 | $3,442,500 |
| Flagstff | 1 | $1,630,500 |
Flagstaff accounts for 91 approvals against 22 in PAGE. 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.
Coconino County
How big is Coconino County
- Land area18,619 sq mi
- Rank by land area among Arizona counties1st of 15
- Width, east to west146.4 mi
- Height, north to south189.2 mi
- Geographies sharing a boundary4
- Residents per square mile of land8
- Establishments per square mile0.21
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.
Coconino County
What hazards affect Coconino County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book7
- Of those, participating in the NFIP7
- 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 5
- 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 5, 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 Coconino 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 Coconino County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population144,508
- Households55,118
- Average household size2.62
- Median household income$72,966
- Median age32.8
Common questions
Coconino County questions, answered from the record.
How many people live in Coconino County, Arizona?
144,508, in 55,118 households, ranking 7th of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Coconino County growing?
The population has grown 0.04 percent since the 2020 census base. In 2024 there were 1,331 births against 1,081 deaths, with net migration of -44. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Coconino County?
$72,966. The median owner-occupied home is valued at $448,000, which is 6.1 times income, and median gross rent is $1,473 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Coconino County?
3,955 establishments, employing 51,178 people with an annual payroll of $2.41 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 Coconino County?
Average annual pay is $54,494, or $1,048 a week, across 65,975 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Coconino County?
153 7(a) approvals totalling $144.1 m since FY2020, across 54 lenders, with a median approval of $385,000, plus 68 504 approvals worth $77.1 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Coconino County get paid back?
Of the 32 loans that have reached a final outcome, 32 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 Coconino County?
703 housing units were authorised by permit in 2024, with a declared construction value of $202.3 m. Multifamily was 52.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Coconino 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 Coconino County come from?
The largest single origin is Coconino County Non-migrants, with 47,430 households. Arriving households report an average income of $73,228 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 Coconino 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 Coconino 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.