HomeNew MexicoRio Arriba County
Rio Arriba County, New Mexico: commercial real estate data.
Rio Arriba County, New Mexico has a population of 40,070 across 5,861 square miles, down 1.0 percent since the 2020 census base. County output reached $1.38 bn in 2024, 541 establishments operate here, and the SBA record carries 10 7(a) approvals worth $4.8 m.
111 sourced county values · tier FULL · 10 sections
Rio Arriba County
How many people live in Rio Arriba County
- Population40,070
- Households15,647
- Average household size2.56
- Median household income$57,155
- Median age42.0
- Median gross rent$740 per month
- Median owner-occupied home value$243,700
- Home value to household income4.3 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher19.0 percent
- Adults 25 and over with a graduate degree8.6 percent
- Adults 25 and over27,797
- Population under 189,016
- Share under 1822.5 percent
- Population 65 and over8,742
- Share 65 and over21.8 percent
- Working age population, 18 to 6422,312
- Civilian labor force17,007
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over54.8 percent
- Rank by population among New Mexico counties13th of 33
- Rank by population among US county-equivalents1203rd
Rio Arriba County is the 13th largest of 33 New Mexico 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 22.5 percent against 21.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Rio Arriba County
Is Rio Arriba County growing
- Population change since the 2020 census base-0.99 percent
- Census 2020 base population40,355
- Births, 2024402
- Deaths, 2024576
- Natural change, 2024-174
- Net domestic migration, 202422
- Net international migration, 2024186
- Total net migration, 2024208
- Cumulative net domestic migration, 2021 to 2024-138
- Rank by growth among US county-equivalents2188th
The county has lost 0.99 percent of its population 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.
Rio Arriba County
Where people moving to Rio Arriba County come from
- Tax returns filed by households arriving712
- People arriving, from those returns1,200
- Adjusted gross income arriving$40.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$56,740
- Largest single originRio Arriba County Non-migrants (13,943 households)
- Largest single destination (13,943 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Rio Arriba County Non-migrants | 13,943 | 25,936 | $742.3 m |
| Other flows - Different State | 250 | 396 | $18.1 m |
| Santa Fe County | 218 | 394 | $10.4 m |
| Other flows - West | 150 | 223 | $11.2 m |
| Bernalillo County | 81 | 117 | $3.3 m |
| Other flows - South | 69 | 112 | $4.2 m |
| Other flows - Same State | 48 | 78 | $2.9 m |
| Taos County | 41 | 73 | $1.9 m |
The largest single source of arrivals is Rio Arriba 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.
Rio Arriba County
What the Rio Arriba County economy runs on
- County GDP, 2024$1.38 bn
- County GDP, 2023$1.37 bn
- GDP change, 2023 to 20240.9 percent
- GDP change over five years34.7 percent
- Rank by GDP among New Mexico counties16th
- Rank by GDP among US county-equivalents1577th
- GDP per resident$34,415
Output grew 0.9 percent in the latest year and 34.7 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.
Rio Arriba County
Who employs people in Rio Arriba County
- Covered employment, annual average9,291
- Establishments reporting859
- Average annual pay$48,908
- Average weekly wage$941
- Sector 62, employment1,300
- Sector 62, average annual pay$63,906
- Sector 44-45, employment1,010
- Sector 44-45, average annual pay$32,605
- Sector 72, employment897
- Sector 72, average annual pay$26,287
- Sector 81, employment307
- Sector 81, average annual pay$50,625
- Sector 23, employment298
- Sector 56, employment273
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 1,300 | 209 | $63,906 |
| Sector 44-45 | 1,010 | 78 | $32,605 |
| Sector 72 | 897 | 67 | $26,287 |
| Sector 81 | 307 | 56 | $50,625 |
| Sector 23 | 298 | 78 | $68,384 |
| Sector 56 | 273 | 32 | $72,317 |
| Sector 48-49 | 151 | 14 | $52,174 |
| Sector 31-33 | 123 | 17 | $36,526 |
The largest sector is the biggest private employer group at 1,300 jobs, 14.0 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.
Rio Arriba County
What businesses operate in Rio Arriba County
- Establishments, all industries541
- Employment at those establishments5,426
- Annual payroll$211.4 m
- Establishments per 1,000 residents13.5
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.
Rio Arriba County
How much SBA lending happens in Rio Arriba County
- 7(a) approvals recorded10
- 7(a) gross approval dollars$4.8 m
- Average 7(a) approval$481,100
- Median 7(a) approval$562,500
- 10th percentile approval$37,000
- 90th percentile approval$1,130,000
- Largest single approval$1,130,000
- Jobs reported supported, 7(a)50
- Jobs per approval5.0
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals9
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer40.0 percent
- Loans on real estate terms4
- Loans on working capital terms, 120 months or shorter6
- Franchise loans2
- Franchise share of approvals20.0 percent
- Leading industry by approval countCoin-Operated Laundries and Drycleaners (2)
- Most active lenderCentury Bank (3)
- 504 approvals recorded11
- 504 gross approval dollars$4.5 m
- Average 504 approval$410,091
- Median 504 approval$336,000
- Distinct CDCs active3
- 504 jobs per approval7.9
- 504 jobs per million dollars approved19.3
- Most active CDCEnchantment Land Certified Development Company (7)
- 7(a) share of SBA approvals47.6 percent
- Combined SBA approval dollars$9.3 m
The average approval of $481,100 sits close to the median of $562,500, so lending here is fairly evenly sized rather than driven by a few large deals. 40.0 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.
Rio Arriba County
Do SBA loans in Rio Arriba County get paid back
- Loans with a final outcome recorded2
- Paid in full2
- Charged off0
- Status: Cancelled1
- Status: Paid in full2
- Status: Exempt from disclosure7
Too few loans have reached a final outcome to publish a charge off rate. only 2 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Rio Arriba County
Which parts of Rio Arriba County get the lending
- Places in the county with recorded lending4
- ESPANOLA, approvals6
- HERNANDEZ, approvals2
- CHIMAYO, approvals1
- CHAMA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| ESPANOLA | 6 | $3,397,000 |
| HERNANDEZ | 2 | $64,900 |
| CHIMAYO | 1 | $749,100 |
| CHAMA | 1 | $600,000 |
ESPANOLA accounts for 6 approvals against 2 in HERNANDEZ. 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.
Rio Arriba County
How big is Rio Arriba County
- Land area5,861 sq mi
- Rank by land area among New Mexico counties5th of 33
- Width, east to west116.4 mi
- Height, north to south73.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land7
- Establishments per square mile0.09
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.
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.
- The Building Permits Survey does not carry a 2024 record for this county.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- 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 Rio Arriba 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 Rio Arriba County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population40,070
- Households15,647
- Average household size2.56
- Median household income$57,155
- Median age42.0
Common questions
Rio Arriba County questions, answered from the record.
How many people live in Rio Arriba County, New Mexico?
40,070, in 15,647 households, ranking 13th of 33 New Mexico counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Rio Arriba County growing?
The population has fallen 0.99 percent since the 2020 census base. In 2024 there were 402 births against 576 deaths, with net migration of 208. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Rio Arriba County?
$57,155. The median owner-occupied home is valued at $243,700, which is 4.3 times income, and median gross rent is $740 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Rio Arriba County?
541 establishments, employing 5,426 people with an annual payroll of $211.4 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Rio Arriba County?
Average annual pay is $48,908, or $941 a week, across 9,291 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Rio Arriba County?
10 7(a) approvals totalling $4.8 m since FY2020, across 7 lenders, with a median approval of $562,500, plus 11 504 approvals worth $4.5 m. These are approvals recorded in the release, not loans disbursed.
What is the radon zone for Rio Arriba County?
Zone 1, a predicted average indoor radon screening level greater than 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 Rio Arriba County come from?
The largest single origin is Rio Arriba County Non-migrants, with 13,943 households. Arriving households report an average income of $56,740 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 Rio Arriba 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 Rio Arriba 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.