Gila County, Arizona: commercial real estate data.
Gila County, Arizona has a population of 53,795 across 4,758 square miles, up 1.5 percent since the 2020 census base. County output reached $2.40 bn in 2024, 1,065 establishments operate here, and the SBA record carries 43 7(a) approvals worth $20.3 m.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Gila County
How many people live in Gila County
- Population53,795
- Households23,645
- Average household size2.28
- Median household income$61,986
- Median age51.1
- Median gross rent$1,030 per month
- Median owner-occupied home value$269,400
- Home value to household income4.3 times
- Annual rent as a share of median income19.9 percent
- Adults 25 and over with a bachelor degree or higher18.7 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over40,390
- Population under 1810,028
- Share under 1818.6 percent
- Population 65 and over16,621
- Share 65 and over30.9 percent
- Working age population, 18 to 6427,146
- Civilian labor force21,024
- Unemployment rate7.1 percent
- Labor force participation, adults 18 and over48.0 percent
- Rank by population among Arizona counties11th of 15
- Rank by population among US county-equivalents965th
Gila County is the 11th 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 65 and over outnumber those under 18, at 30.9 percent against 18.6 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Gila County
Is Gila County's population growing?
- Population change since the 2020 census base1.50 percent
- Census 2020 base population53,272
- Births, 2024451
- Deaths, 2024900
- Natural change, 2024-449
- Net domestic migration, 2024461
- Net international migration, 20249
- Total net migration, 2024470
- Cumulative net domestic migration, 2021 to 20242,688
- Rank by growth among US county-equivalents1332nd
The county has grown 1.50 percent 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.
Gila County
Where are people moving to Gila County from?
- Tax returns filed by households arriving1,642
- People arriving, from those returns2,881
- Adjusted gross income arriving$141.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$86,390
- Largest single originGila County Non-migrants (18,424 households)
- Largest single destination (18,424 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Gila County Non-migrants | 18,424 | 36,880 | $1.21 bn |
| Maricopa County | 755 | 1,334 | $80.8 m |
| Other flows - Different State | 426 | 715 | $34.2 m |
| Other flows - West | 253 | 436 | $23.9 m |
| Pinal County | 146 | 292 | $6.8 m |
| Other flows - South | 99 | 155 | $5.7 m |
| Other flows - Midwest | 74 | 124 | $4.5 m |
| Other flows - Same State | 52 | 89 | $2.4 m |
The largest single source of arrivals is Gila 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.
Gila County
What is the Gila County economy?
- County GDP, 2024$2.40 bn
- County GDP, 2023$2.33 bn
- GDP change, 2023 to 20242.9 percent
- GDP change over five years31.9 percent
- Rank by GDP among Arizona counties13th
- Rank by GDP among US county-equivalents1128th
- GDP per resident$44,562
Output grew 2.9 percent in the latest year and 31.9 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.
Gila County
Largest employers in Gila County
- Covered employment, annual average15,973
- Establishments reporting1,138
- Average annual pay$56,684
- Average weekly wage$1,090
- Sector 44-45, employment2,016
- Sector 44-45, average annual pay$35,136
- Sector 72, employment1,821
- Sector 72, average annual pay$24,968
- Sector 62, employment1,460
- Sector 62, average annual pay$59,984
- Sector 31-33, employment1,166
- Sector 31-33, average annual pay$96,368
- Sector 54, employment936
- Sector 21, employment848
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,016 | 125 | $35,136 |
| Sector 72 | 1,821 | 130 | $24,968 |
| Sector 62 | 1,460 | 116 | $59,984 |
| Sector 31-33 | 1,166 | 22 | $96,368 |
| Sector 54 | 936 | 109 | $61,255 |
| Sector 21 | 848 | 8 | $93,528 |
| Sector 23 | 761 | 144 | $54,119 |
| Sector 56 | 248 | 53 | $49,918 |
The largest sector is the biggest private employer group at 2,016 jobs, 12.6 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.
Gila County
How many businesses are in Gila County?
- Establishments, all industries1,065
- Employment at those establishments12,495
- Annual payroll$646.7 m
- Establishments per 1,000 residents19.8
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.
Gila County
Building permits in Gila County
- Housing units authorised by permit, 2024151
- Declared construction value permitted$45.6 m
- Single family units authorised149
- Multifamily units authorised2
- Multifamily share of units1.3 percent
- Average declared value per unit$301,691
- Units authorised per 1,000 households6.4
Multifamily is 1.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Gila County
SBA loans in Gila County (7(a) and 504)
- 7(a) approvals recorded43
- 7(a) gross approval dollars$20.3 m
- Average 7(a) approval$473,200
- Median 7(a) approval$225,000
- 10th percentile approval$18,000
- 90th percentile approval$1,611,000
- Largest single approval$2,235,000
- Jobs reported supported, 7(a)324
- Jobs per approval7.5
- Distinct 7(a) lenders active23
- Distinct industries receiving approvals31
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer39.5 percent
- Loans on real estate terms17
- Loans on working capital terms, 120 months or shorter26
- Franchise loans5
- Franchise share of approvals11.6 percent
- Leading industry by approval countFull-Service Restaurants (5)
- Most active lenderZions Bank, A Division of (11)
- 504 approvals recorded8
- 504 gross approval dollars$7.2 m
- Average 504 approval$904,125
- Median 504 approval$900,000
- Distinct CDCs active2
- 504 jobs per approval4.4
- 504 jobs per million dollars approved4.8
- Most active CDCArizona Capital Source (5)
- 7(a) share of SBA approvals84.3 percent
- Combined SBA approval dollars$27.6 m
The average approval of $473,200 sits well above the median of $225,000, 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. 39.5 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.
Gila County
SBA loan default and charge-off rates in Gila County
Do SBA loans in Gila County get paid back?
- Loans with a final outcome recorded5
- Paid in full4
- Charged off1
- Status: Paid in full4
- Status: Exempt from disclosure32
- Status: Charged off1
- Status: Cancelled4
- Status: Committed, not yet disbursed2
Too few loans have reached a final outcome to publish a charge off rate. only 5 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
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.
Gila County
SBA lending by place in Gila County
- Places in the county with recorded lending8
- PAYSON, approvals24
- GLOBE, approvals8
- PINE, approvals4
- MIAMI, approvals2
- YOUNG, approvals2
- GILBERT, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PAYSON | 24 | $8,187,300 |
| GLOBE | 8 | $5,958,700 |
| PINE | 4 | $768,000 |
| MIAMI | 2 | $2,250,000 |
| YOUNG | 2 | $907,000 |
| GILBERT | 1 | $2,078,600 |
| TONTO BASIN | 1 | $48,000 |
| STAR VALLEY | 1 | $150,000 |
PAYSON accounts for 24 approvals against 8 in GLOBE. 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.
Gila County
How large is Gila County?
- Land area4,758 sq mi
- Rank by land area among Arizona counties11th of 15
- Width, east to west98.8 mi
- Height, north to south104.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land11
- Establishments per square mile0.22
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.
Gila County
Flood risk in Gila County
- 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 10
- Communities carrying a CRS class1
- Radon levels in Gila County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Gila 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 in Gila County is 10, 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 FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
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 Gila 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 Gila County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population53,795
- Households23,645
- Average household size2.28
- Median household income$61,986
- Median age51.1
Common questions
Gila County questions, answered from the record.
How many people live in Gila County, Arizona?
53,795, in 23,645 households, ranking 11th of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Gila County's population growing?
The population has grown 1.50 percent since the 2020 census base. In 2024 there were 451 births against 900 deaths, with net migration of 470. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Gila County?
$61,986. The median owner-occupied home is valued at $269,400, which is 4.3 times income, and median gross rent is $1,030 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Gila County?
1,065 establishments, employing 12,495 people with an annual payroll of $646.7 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 Gila County?
Average annual pay is $56,684, or $1,090 a week, across 15,973 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Gila County?
43 7(a) approvals totalling $20.3 m since FY2020, across 23 lenders, with a median approval of $225,000, plus 8 504 approvals worth $7.2 m. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Gila County?
151 housing units were authorised by permit in 2024, with a declared construction value of $45.6 m. Multifamily was 1.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Gila 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 Gila County come from?
The largest single origin is Gila County Non-migrants, with 18,424 households. Arriving households report an average income of $86,390 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 Gila 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 Gila 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.
Gila County
Cities and places in Gila.
51 Census places lie wholly or partly in Gila County. 51 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 approvals | Lies in |
|---|---|---|---|---|
| Payson | town | 16,622 | 24 | Wholly in this county |
| Globe | city | 7,195 | 8 | Wholly in this county |
| San Carlos | CDP | 4,973 | None recorded | Wholly in this county |
| Central Heights-Midland City | CDP | 2,909 | None recorded | Wholly in this county |
| Star Valley | town | 2,525 | 1 | Wholly in this county |
| Tonto Basin | CDP | 1,750 | 1 | Wholly in this county |
| Pine | CDP | 1,740 | 4 | Wholly in this county |
| Miami | town | 1,405 | 2 | Wholly in this county |
| Claypool | CDP | 1,259 | None recorded | Wholly in this county |
| Canyon Day | CDP | 1,182 | None recorded | Wholly in this county |
| Strawberry | CDP | 1,094 | None recorded | Wholly in this county |
| Peridot | CDP | 999 | None recorded | 59.9 percent here, 40.1 percent Graham County |
| Mesa del Caballo | CDP | 944 | None recorded | Wholly in this county |
| Six Shooter Canyon | CDP | 811 | None recorded | Wholly in this county |
| Round Valley | CDP | 631 | None recorded | Wholly in this county |
| Roosevelt Estates | CDP | 593 | None recorded | Wholly in this county |
| Gisela | CDP | 587 | None recorded | Wholly in this county |
| Icehouse Canyon | CDP | 528 | None recorded | Wholly in this county |
| Pinal | CDP | 460 | None recorded | Wholly in this county |
| Cedar Creek | CDP | 398 | None recorded | Wholly in this county |
| Hayden | town | 331 | None recorded | Wholly in this county |
| Wheatfields | CDP | 329 | None recorded | Wholly in this county |
| East Verde Estates | CDP | 275 | None recorded | Wholly in this county |
| Carrizo | CDP | 249 | None recorded | Wholly in this county |
| Deer Creek | CDP | 242 | None recorded | Wholly in this county |
| Young | CDP | 236 | 2 | Wholly in this county |
| East Globe | CDP | 224 | None recorded | Wholly in this county |
| Mead Ranch | CDP | 218 | None recorded | Wholly in this county |
| Winkelman | town | 191 | None recorded | 37.7 percent here, 62.3 percent Pinal County |
| Dripping Springs | CDP | 186 | None recorded | Wholly in this county |
| Copper Hill | CDP | 163 | None recorded | Wholly in this county |
| Kohls Ranch | CDP | 161 | None recorded | Wholly in this county |
| Whispering Pines | CDP | 151 | None recorded | Wholly in this county |
| Top-of-the-World | CDP | 142 | None recorded | 15.8 percent here, 84.2 percent Pinal County |
| Tonto Village | CDP | 123 | None recorded | Wholly in this county |
| Jakes Corner | CDP | 111 | None recorded | Wholly in this county |
| Cutter | CDP | 103 | None recorded | Wholly in this county |
| Christopher Creek | CDP | 88 | None recorded | Wholly in this county |
| Beaver Valley | CDP | 74 | None recorded | Wholly in this county |
| Geronimo Estates | CDP | 68 | None recorded | Wholly in this county |
| Freedom Acres | CDP | 48 | None recorded | Wholly in this county |
| Hunter Creek | CDP | 45 | None recorded | Wholly in this county |
| Oxbow Estates | CDP | 44 | None recorded | Wholly in this county |
| Flowing Springs | CDP | 38 | None recorded | Wholly in this county |
| El Capitan | CDP | 28 | None recorded | Wholly in this county |
| Rye | CDP | 17 | None recorded | Wholly in this county |
| Washington Park | CDP | 10 | None recorded | Wholly in this county |
| Rock House | CDP | 8 | None recorded | Wholly in this county |
| Bear Flat | CDP | 0 | None recorded | Wholly in this county |
| Haigler Creek | CDP | 0 | None recorded | Wholly in this county |
| Roosevelt | CDP | 0 | None recorded | Wholly in this county |