Pinal County, Arizona: commercial real estate data.
Pinal County, Arizona has a population of 469,006 across 5,366 square miles, up 20.6 percent since the 2020 census base. County output reached $16.27 bn in 2024, 4,723 establishments operate here, and the SBA record carries 225 7(a) approvals worth $122.3 m.
129 sourced county values · tier FULL · 12 sections
Pinal County
How many people live in Pinal County
- Population469,006
- Households161,917
- Average household size2.90
- Median household income$80,266
- Median age40.4
- Median gross rent$1,537 per month
- Median owner-occupied home value$349,000
- Home value to household income4.3 times
- Annual rent as a share of median income23.0 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over332,152
- Population under 18100,909
- Share under 1821.5 percent
- Population 65 and over101,036
- Share 65 and over21.5 percent
- Working age population, 18 to 64267,061
- Civilian labor force204,167
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over55.5 percent
- Rank by population among Arizona counties3rd of 15
- Rank by population among US county-equivalents154th
Pinal County is the 3rd largest of 15 Arizona counties by population. A median home costs 4.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 21.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pinal County
Is Pinal County growing
- Population change since the 2020 census base20.62 percent
- Census 2020 base population426,007
- Births, 20245,128
- Deaths, 20244,128
- Natural change, 20241,000
- Net domestic migration, 202423,230
- Net international migration, 20243,140
- Total net migration, 202426,370
- Cumulative net domestic migration, 2021 to 202473,749
- Rank by growth among US county-equivalents17th
The county has grown 20.62 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Pinal County
Where people moving to Pinal County come from
- Tax returns filed by households arriving21,459
- People arriving, from those returns41,346
- Adjusted gross income arriving$1.54 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$71,716
- Largest single originPinal County Non-migrants (143,620 households)
- Largest single destination (143,620 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Pinal County Non-migrants | 143,620 | 305,972 | $9.61 bn |
| Maricopa County | 10,920 | 21,418 | $675.7 m |
| Other flows - Different State | 4,122 | 7,712 | $340.2 m |
| Other flows - Midwest | 1,345 | 2,450 | $115.3 m |
| Other flows - South | 1,202 | 2,314 | $91.7 m |
| Other flows - West | 1,126 | 2,175 | $99.8 m |
| Pima County | 825 | 1,518 | $45.7 m |
| Other flows - Northeast | 449 | 773 | $33.4 m |
The largest single source of arrivals is Pinal 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.
Pinal County
What the Pinal County economy runs on
- County GDP, 2024$16.27 bn
- County GDP, 2023$14.39 bn
- GDP change, 2023 to 202413.0 percent
- GDP change over five years62.0 percent
- Rank by GDP among Arizona counties3rd
- Rank by GDP among US county-equivalents309th
- GDP per resident$34,694
Output grew 13.0 percent in the latest year and 62.0 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.
Pinal County
Who employs people in Pinal County
- Covered employment, annual average77,687
- Establishments reporting5,085
- Average annual pay$58,158
- Average weekly wage$1,118
- Sector 44-45, employment10,831
- Sector 44-45, average annual pay$38,695
- Sector 72, employment8,209
- Sector 72, average annual pay$25,025
- Sector 31-33, employment6,618
- Sector 31-33, average annual pay$82,576
- Sector 62, employment5,647
- Sector 62, average annual pay$55,885
- Sector 56, employment5,148
- Sector 23, employment4,514
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 10,831 | 504 | $38,695 |
| Sector 72 | 8,209 | 406 | $25,025 |
| Sector 31-33 | 6,618 | 132 | $82,576 |
| Sector 62 | 5,647 | 466 | $55,885 |
| Sector 56 | 5,148 | 340 | $61,254 |
| Sector 23 | 4,514 | 527 | $71,112 |
| Sector 42 | 2,000 | 276 | $101,794 |
| Sector 81 | 1,983 | 318 | $45,838 |
The largest sector is the biggest private employer group at 10,831 jobs, 13.9 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.
Pinal County
What businesses operate in Pinal County
- Establishments, all industries4,723
- Employment at those establishments63,258
- Annual payroll$3.20 bn
- Establishments per 1,000 residents10.1
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.
Pinal County
What is being built in Pinal County
- Housing units authorised by permit, 20249,504
- Declared construction value permitted$2.04 bn
- Single family units authorised8,610
- Multifamily units authorised894
- Multifamily share of units9.4 percent
- Average declared value per unit$214,943
- Units authorised per 1,000 households58.7
Multifamily is 9.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Pinal County
How much SBA lending happens in Pinal County
- 7(a) approvals recorded225
- 7(a) gross approval dollars$122.3 m
- Average 7(a) approval$543,472
- Median 7(a) approval$200,000
- 10th percentile approval$19,000
- 90th percentile approval$1,721,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,692
- Jobs per approval12.0
- Distinct 7(a) lenders active59
- Distinct industries receiving approvals123
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.3 percent
- Loans on real estate terms39
- Loans on working capital terms, 120 months or shorter173
- Franchise loans29
- Franchise share of approvals12.9 percent
- Leading industry by approval countLimited-Service Restaurants (7)
- Most active lenderU.S. Bank, National Association (29)
- 504 approvals recorded67
- 504 gross approval dollars$57.7 m
- Average 504 approval$860,731
- Median 504 approval$524,000
- Distinct CDCs active4
- 504 jobs per approval14.2
- 504 jobs per million dollars approved16.5
- Most active CDCArizona Capital Source (29)
- 7(a) share of SBA approvals77.1 percent
- Combined SBA approval dollars$180.0 m
The average approval of $543,472 sits well above the median of $200,000, 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 17.3 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.
Pinal County
Do SBA loans in Pinal County get paid back
- Loans with a final outcome recorded55
- Paid in full46
- Charged off9
- Charge off rate on resolved loans16.4 percent
- Status: Paid in full46
- Status: Exempt from disclosure132
- Status: Cancelled26
- Status: Charged off9
- Status: Committed, not yet disbursed12
Of the 55 loans that have reached a final outcome, 16.4 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.
Pinal County
Which parts of Pinal County get the lending
- Places in the county with recorded lending16
- San Tan Valley, approvals58
- CASA GRANDE, approvals44
- APACHE JUNCTION, approvals35
- MARICOPA, approvals32
- QUEEN CREEK, approvals15
- Coolidge, approvals10
| Place | Approvals | Gross approval dollars |
|---|---|---|
| San Tan Valley | 58 | $26,093,300 |
| CASA GRANDE | 44 | $41,776,000 |
| APACHE JUNCTION | 35 | $19,136,000 |
| MARICOPA | 32 | $8,497,800 |
| QUEEN CREEK | 15 | $8,018,000 |
| Coolidge | 10 | $5,104,300 |
| FLORENCE | 9 | $3,436,500 |
| GOLD CANYON | 7 | $4,778,300 |
San Tan Valley accounts for 58 approvals against 44 in CASA GRANDE. 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.
Pinal County
How big is Pinal County
- Land area5,366 sq mi
- Rank by land area among Arizona counties10th of 15
- Width, east to west101.8 mi
- Height, north to south66.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land87
- Establishments per square mile0.88
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.
Pinal County
What hazards affect Pinal County
- EPA radon zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
- Communities in the NFIP Community Status Book15
- Of those, participating in the NFIP15
- 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 7
- Communities carrying a CRS class4
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 7, 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 Pinal 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 Pinal County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population469,006
- Households161,917
- Average household size2.90
- Median household income$80,266
- Median age40.4
Common questions
Pinal County questions, answered from the record.
How many people live in Pinal County, Arizona?
469,006, in 161,917 households, ranking 3rd of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pinal County growing?
The population has grown 20.62 percent since the 2020 census base. In 2024 there were 5,128 births against 4,128 deaths, with net migration of 26,370. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pinal County?
$80,266. The median owner-occupied home is valued at $349,000, which is 4.3 times income, and median gross rent is $1,537 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Pinal County?
4,723 establishments, employing 63,258 people with an annual payroll of $3.20 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 Pinal County?
Average annual pay is $58,158, or $1,118 a week, across 77,687 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pinal County?
225 7(a) approvals totalling $122.3 m since FY2020, across 59 lenders, with a median approval of $200,000, plus 67 504 approvals worth $57.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Pinal County get paid back?
Of the 55 loans that have reached a final outcome, 46 were paid in full and 9 charged off, a charge off rate of 16.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Pinal County?
9,504 housing units were authorised by permit in 2024, with a declared construction value of $2.04 bn. Multifamily was 9.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pinal 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 Pinal County come from?
The largest single origin is Pinal County Non-migrants, with 143,620 households. Arriving households report an average income of $71,716 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 Pinal 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 Pinal 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.