Cochise County, Arizona: commercial real estate data.
Cochise County, Arizona had an estimated 125,773 residents on July 1, 2024, up 0.3 percent since the 2020 census base of 125,440, across 6,166 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cochise County
How many people live in Cochise County
- Population, American Community Survey 2020-2024125,566
- 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-equivalents, Puerto Rico included519th of 3,222
Cochise County is the 8th largest of 15 Arizona counties by population. A median home costs 3.7 times median household income, which is moderately unaffordable 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 story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cochise County
Is Cochise County's population growing?
- Population, July 1, 2024125,773
- Census 2020 base population125,440
- Population change since the 2020 census base0.27 percent
- Population change, 2023 to 2024892
- 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 of 3,144
The county has grown 0.27 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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 are people moving to Cochise County from?
- Tax returns filed by households arriving4,280
- People arriving, from those returns8,082
- Tax returns filed by households leaving4,015
- Net household movement265
- Adjusted gross income arriving$244.9 m
- Net adjusted gross income movement$15.5 m
- Average income of an arriving household$57,228
- Average income of a leaving household$57,156
- Largest single originPima County (714 households)
- Largest single destinationPima County (773 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Pima County | 714 | 1,254 | $34.5 m |
| Maricopa County | 430 | 802 | $23.6 m |
| Foreign - APO/FPO ZIPs | 108 | 261 | $8.1 m |
| Pinal County | 72 | 143 | $4.0 m |
| San Diego County | 72 | 125 | $5.3 m |
| El Paso County | 63 | 144 | $3.5 m |
| El Paso County | 61 | 134 | $3.8 m |
| Pierce County | 59 | 124 | $5.0 m |
Households arriving report $72 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Pima County, 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 is the Cochise County economy?
- 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 the Arizona areas BEA publishes8th of 15
- Rank by GDP among the US county areas BEA publishes609th of 3,127
- 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
Employment by industry in Cochise County
- Covered employment, annual average34,954
- Establishments reporting2,604
- Average annual pay$59,877
- Average weekly wage$1,151
- Retail trade, employment4,553
- Retail trade, average annual pay$33,638
- Health care and social assistance, employment4,243
- Health care and social assistance, average annual pay$59,999
- Accommodation and food services, employment3,308
- Accommodation and food services, average annual pay$24,672
- Professional, scientific and technical services, employment2,512
- Professional, scientific and technical services, average annual pay$89,580
- Construction, employment2,097
- Administrative and support and waste management services, employment1,089
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 4,553 | 292 | $33,638 |
| Health care and social assistance | 4,243 | 301 | $59,999 |
| Accommodation and food services | 3,308 | 264 | $24,672 |
| Professional, scientific and technical services | 2,512 | 298 | $89,580 |
| Construction | 2,097 | 241 | $57,904 |
| Administrative and support and waste management services | 1,089 | 126 | $44,527 |
| Agriculture, forestry, fishing and hunting | 1,042 | 73 | $50,105 |
| Transportation and warehousing | 835 | 79 | $62,108 |
Retail trade is the largest private sector at 4,553 jobs, 13.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cochise County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Cochise County
Building permits in Cochise County
- Housing units authorized by permit, 2024441
- Declared construction value permitted$62.0 m
- Single family units authorized435
- Multifamily units authorized6
- Multifamily share of units1.4 percent
- Average declared value per unit$140,556
- Units authorized per 1,000 households8.7
Single-family homes are 98.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cochise County
SBA loans in Cochise County (7(a) and 504)
- 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$694,500
- Distinct CDCs active4
- 504 jobs per approval10.9
- 504 jobs per million dollars approved14.1
- Most active CDCArizona Capital Source (9)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$63.8 m
The average approval of $572,770 sits well above the median of $170,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in Cochise County
Do SBA loans in Cochise County get paid back?
- Loans with a final outcome recorded12
- Paid in full12
- Charged off0
- Status: Paid in full12
- Status: Exempt from disclosure60
- Status: Cancelled10
- Status: Committed, not yet disbursed5
Only 12 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cochise County
SBA lending by place in Cochise County
- Borrower cities with recorded lending13
- Sierra Vista, approvals33
- Benson, approvals16
- Douglas, approvals9
- Willcox, approvals8
- Hereford, approvals7
- Tombstone, approvals5
| Borrower city | 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 |
| Pearce | 2 | $643,000 |
| Huachuca City | 2 | $597,500 |
| 5 other borrower cities | 5 | $1,809,900 |
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 large 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 boundary5
- 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
Flood risk in Cochise County
- Participation of the county's own NFIP community Cochise County, unincorporated areasParticipating, community 040012
- Community Rating System class of the county's own communityClass 9
- Communities in the county 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
- Radon levels in Cochise County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Cochise County (community 040012), participates in the National Flood Insurance Program and carries Community Rating System class 9, a flood insurance premium discount for policies written there. The EPA places Cochise County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class among the county's communities is 9, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-2024125,566
- 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?
The Census Bureau estimates 125,773 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 0.27 percent since the 2020 census base of 125,440, to 125,773 on July 1, 2024. 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 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 employment by industry in Cochise County?
Retail trade is the largest private sector at 4,553 jobs, 13.0 percent of covered employment. Covered employment averages 34,954 jobs at an average annual pay of $59,877, or $1,151 a week. 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 totaling $49.8 m since FY2020, across 33 lenders, with a median approval of $170,000, plus 18 504 approvals worth $13.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cochise County?
441 housing units were authorized 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 Pima County, with 714 households. Arriving households report an average income of $57,228 against $57,156 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Cochise County
Cities and places in Cochise.
22 Census places lie wholly or partly in Cochise County. All 22 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Sierra Vista | city | 45,155 | 33 | Wholly in this county |
| Douglas | city | 15,981 | 9 | Wholly in this county |
| Sierra Vista Southeast | CDP | 14,330 | None recorded | Wholly in this county |
| Benson | city | 5,417 | 16 | Wholly in this county |
| Bisbee | city | 4,977 | 1 | Wholly in this county |
| Willcox | city | 3,222 | 8 | Wholly in this county |
| Whetstone | CDP | 2,971 | None recorded | Wholly in this county |
| Pirtleville | CDP | 1,939 | None recorded | Wholly in this county |
| Mescal | CDP | 1,760 | None recorded | Wholly in this county |
| Huachuca City | town | 1,614 | 2 | Wholly in this county |
| St. David | CDP | 1,098 | None recorded | Wholly in this county |
| Naco | CDP | 1,060 | None recorded | Wholly in this county |
| Tombstone | city | 1,026 | 5 | Wholly in this county |
| Miracle Valley | CDP | 716 | None recorded | Wholly in this county |
| Sunsites | CDP | 611 | None recorded | Wholly in this county |
| Bowie | CDP | 384 | None recorded | Wholly in this county |
| Palominas | CDP | 253 | None recorded | Wholly in this county |
| McNeal | CDP | 246 | 1 | Wholly in this county |
| San Simon | CDP | 244 | None recorded | Wholly in this county |
| Elfrida | CDP | 194 | 1 | Wholly in this county |
| Sunizona | CDP | 191 | None recorded | Wholly in this county |
| Dragoon | CDP | 85 | None recorded | Wholly in this county |
A further 11 of the county's 87 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cochise County, the largest being Hereford (7), Pearce (2), Hattiesburg (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby