Coconino County, Arizona: commercial real estate data.
Coconino County, Arizona had an estimated 145,161 residents on July 1, 2024, up 0.0 percent since the 2020 census base of 145,098, across 18,619 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Coconino County
How many people live in Coconino County
- Population, American Community Survey 2020-2024144,508
- 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-equivalents, Puerto Rico included469th of 3,222
Coconino County is the 7th largest of 15 Arizona counties by population. A median home costs 6.1 times median household income, which is severely unaffordable by national standards. 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's population growing?
- Population, July 1, 2024145,161
- Census 2020 base population145,098
- Population change since the 2020 census base0.04 percent
- Population change, 2023 to 2024227
- 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 of 3,144
The county has grown 0.04 percent since the 2020 census base. Births exceeded deaths in 2024 by more than net migration took away, so the population grew even though more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Coconino County
Where are people moving to Coconino County from?
- Tax returns filed by households arriving4,909
- People arriving, from those returns7,633
- Tax returns filed by households leaving5,468
- Net household movement-559
- Adjusted gross income arriving$359.5 m
- Net adjusted gross income movement$-22.6 m
- Average income of an arriving household$73,228
- Average income of a leaving household$69,871
- Largest single originMaricopa County (1,329 households)
- Largest single destinationMaricopa County (1,482 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Maricopa County | 1,329 | 2,118 | $113.3 m |
| Yavapai County | 329 | 469 | $18.7 m |
| Navajo County | 184 | 343 | $7.2 m |
| Pima County | 165 | 231 | $21.2 m |
| San Diego County | 110 | 183 | $10.3 m |
| Mohave County | 106 | 179 | $5.7 m |
| Los Angeles County | 106 | 152 | $7.1 m |
| Apache County | 99 | 203 | $3.5 m |
Households arriving report $3,357 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 Maricopa 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.
Coconino County
What is the Coconino County economy?
- 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 the Arizona areas BEA publishes6th of 15
- Rank by GDP among the US county areas BEA publishes418th of 3,127
- 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
Employment by industry in Coconino County
- Covered employment, annual average65,975
- Establishments reporting4,121
- Average annual pay$54,494
- Average weekly wage$1,048
- Accommodation and food services, employment14,788
- Accommodation and food services, average annual pay$32,649
- Health care and social assistance, employment9,162
- Health care and social assistance, average annual pay$69,569
- Retail trade, employment7,061
- Retail trade, average annual pay$38,685
- Manufacturing, employment3,892
- Manufacturing, average annual pay$77,970
- Construction, employment3,122
- Arts, entertainment and recreation, employment2,125
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 14,788 | 510 | $32,649 |
| Health care and social assistance | 9,162 | 430 | $69,569 |
| Retail trade | 7,061 | 448 | $38,685 |
| Manufacturing | 3,892 | 98 | $77,970 |
| Construction | 3,122 | 410 | $58,667 |
| Arts, entertainment and recreation | 2,125 | 124 | $39,346 |
| Administrative and support and waste management services | 1,982 | 231 | $42,499 |
| Professional, scientific and technical services | 1,732 | 492 | $61,951 |
Accommodation and food services is the largest private sector at 14,788 jobs, 22.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Coconino County
How many businesses are 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. 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.
Coconino County
Building permits in Coconino County
- Housing units authorized by permit, 2024703
- Declared construction value permitted$202.3 m
- Single family units authorized331
- Multifamily units authorized372
- Multifamily share of units52.9 percent
- Average declared value per unit$287,835
- Units authorized per 1,000 households12.8
Multifamily is 52.9 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Coconino County
SBA loans in Coconino County (7(a) and 504)
- 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$2,599,100
- 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$579,000
- Distinct CDCs active4
- 504 jobs per approval12.6
- 504 jobs per million dollars approved11.1
- Most active CDCCDC Small Business Finance Corp. (23)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$221.2 m
The average approval of $941,975 sits well above the median of $385,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here 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
SBA loan default and charge-off rates in 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.
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.
Coconino County
SBA lending by place in Coconino County
- Borrower cities with recorded lending10
- Flagstaff, approvals91
- Page, approvals22
- Williams, approvals16
- Sedona, approvals13
- Fredonia, approvals3
- Munds Park, approvals3
| Borrower city | 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 |
| 2 other borrower cities | 2 | $177,300 |
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 large 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 boundary6
- 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
Flood risk in Coconino County
- Participation of the county's own NFIP community Coconino County, unincorporated areasParticipating, community 040019
- Community Rating System class of the county's own communityClass 8
- Communities in the county 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
- Radon levels in Coconino 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 Coconino County (community 040019), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Coconino 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 5, 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 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.
- Population, American Community Survey 2020-2024144,508
- 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?
The Census Bureau estimates 145,161 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 0.04 percent since the 2020 census base of 145,098, to 145,161 on July 1, 2024. 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 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 employment by industry in Coconino County?
Accommodation and food services is the largest private sector at 14,788 jobs, 22.4 percent of covered employment. Covered employment averages 65,975 jobs at an average annual pay of $54,494, or $1,048 a week. 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 totaling $144.1 m since FY2020, across 54 lenders, with a median approval of $385,000, plus 68 504 approvals worth $77.1 m since FY2010. 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.
How many building permits were issued in Coconino County?
703 housing units were authorized 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 Maricopa County, with 1,329 households. Arriving households report an average income of $73,228 against $69,871 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?
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.
Coconino County
Cities and places in Coconino.
34 Census places lie wholly or partly in Coconino County. 33 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Flagstaff | city | 76,445 | 91 | Wholly in this county |
| Sedona | city | 9,777 | 13 | 34.3 percent here, 65.7 percent Yavapai County |
| Tuba City | CDP | 7,960 | None recorded | Wholly in this county |
| Page | city | 7,345 | 22 | Wholly in this county |
| Doney Park | CDP | 6,253 | None recorded | Wholly in this county |
| Williams | city | 3,369 | 16 | Wholly in this county |
| Kachina Village | CDP | 3,212 | None recorded | Wholly in this county |
| Mountain View Ranches | CDP | 1,984 | None recorded | Wholly in this county |
| Timberline-Fernwood | CDP | 1,973 | None recorded | Wholly in this county |
| Fort Valley | CDP | 1,761 | None recorded | Wholly in this county |
| Parks | CDP | 1,706 | 2 | Wholly in this county |
| Bellemont | CDP | 1,701 | 1 | Wholly in this county |
| Red Lake | CDP | 1,676 | None recorded | Wholly in this county |
| Kaibito | CDP | 1,661 | None recorded | Wholly in this county |
| Grand Canyon Village | CDP | 1,599 | None recorded | Wholly in this county |
| Kaibab Estates West | CDP | 1,403 | None recorded | Wholly in this county |
| LeChee | CDP | 1,307 | None recorded | Wholly in this county |
| Mountainaire | CDP | 1,103 | None recorded | Wholly in this county |
| Fredonia | town | 1,061 | 3 | Wholly in this county |
| Blue Ridge | CDP | 992 | None recorded | Wholly in this county |
| Leupp | CDP | 882 | None recorded | Wholly in this county |
| Moenkopi | CDP | 879 | None recorded | Wholly in this county |
| Cameron | CDP | 782 | None recorded | Wholly in this county |
| Munds Park | CDP | 608 | 3 | Wholly in this county |
| Bitter Springs | CDP | 504 | None recorded | Wholly in this county |
| Tolani Lake | CDP | 439 | None recorded | Wholly in this county |
| Valle | CDP | 436 | None recorded | Wholly in this county |
| Tusayan | town | 368 | None recorded | Wholly in this county |
| Oak Creek Canyon | CDP | 356 | None recorded | Wholly in this county |
| Greenehaven | CDP | 325 | None recorded | Wholly in this county |
| Tonalea | CDP | 205 | None recorded | Wholly in this county |
| Forest Lakes | CDP | 204 | None recorded | Wholly in this county |
| Mormon Lake | CDP | 153 | None recorded | Wholly in this county |
| Supai | CDP | 0 | None recorded | Wholly in this county |
A further 2 of the county's 153 SBA 7(a) approvals are to borrowers in cities that match no Census place in Coconino County, the largest being Flagstff (1), Tempe (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