Navajo County, Arizona: commercial real estate data.
Navajo County, Arizona has a population of 108,415 across 9,950 square miles, up 2.6 percent since the 2020 census base. County output reached $4.07 bn in 2024, 1,860 establishments operate here, and the SBA record carries 86 7(a) approvals worth $66.4 m.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Navajo County
How many people live in Navajo County
- Population108,415
- Households40,063
- Average household size2.71
- Median household income$54,606
- Median age39.5
- Median gross rent$858 per month
- Median owner-occupied home value$201,500
- Home value to household income3.7 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher19.1 percent
- Adults 25 and over with a graduate degree7.4 percent
- Adults 25 and over72,679
- Population under 1827,363
- Share under 1825.2 percent
- Population 65 and over21,823
- Share 65 and over20.1 percent
- Working age population, 18 to 6459,229
- Civilian labor force38,520
- Unemployment rate8.8 percent
- Labor force participation, adults 18 and over47.5 percent
- Rank by population among Arizona counties9th of 15
- Rank by population among US county-equivalents579th
Navajo County is the 9th largest of 15 Arizona counties by population. A median home costs 3.7 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.2 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Navajo County
Is Navajo County's population growing?
- Population change since the 2020 census base2.62 percent
- Census 2020 base population106,715
- Births, 20241,234
- Deaths, 20241,502
- Natural change, 2024-268
- Net domestic migration, 2024335
- Net international migration, 2024171
- Total net migration, 2024506
- Cumulative net domestic migration, 2021 to 20243,985
- Rank by growth among US county-equivalents973rd
The county has grown 2.62 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.
Navajo County
Where are people moving to Navajo County from?
- Tax returns filed by households arriving3,420
- People arriving, from those returns6,924
- Adjusted gross income arriving$211.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$61,776
- Largest single originNavajo County Non-migrants (35,112 households)
- Largest single destination (35,112 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Navajo County Non-migrants | 35,112 | 78,264 | $2.01 bn |
| Maricopa County | 1,188 | 2,367 | $82.3 m |
| Other flows - Different State | 827 | 1,585 | $52.6 m |
| Other flows - West | 485 | 935 | $32.2 m |
| Apache County | 375 | 972 | $13.5 m |
| Pinal County | 204 | 434 | $14.8 m |
| Coconino County | 201 | 377 | $8.7 m |
| Pima County | 199 | 381 | $15.5 m |
The largest single source of arrivals is Navajo 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.
Navajo County
What is the Navajo County economy?
- County GDP, 2024$4.07 bn
- County GDP, 2023$3.81 bn
- GDP change, 2023 to 20246.7 percent
- GDP change over five years34.2 percent
- Rank by GDP among Arizona counties9th
- Rank by GDP among US county-equivalents795th
- GDP per resident$37,498
Output grew 6.7 percent in the latest year and 34.2 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.
Navajo County
Largest employers in Navajo County
- Covered employment, annual average28,615
- Establishments reporting1,970
- Average annual pay$50,447
- Average weekly wage$970
- Sector 62, employment4,256
- Sector 62, average annual pay$63,258
- Sector 44-45, employment4,073
- Sector 44-45, average annual pay$35,104
- Sector 72, employment3,876
- Sector 72, average annual pay$24,052
- Sector 23, employment1,513
- Sector 23, average annual pay$52,680
- Sector 56, employment589
- Sector 11, employment526
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 4,256 | 222 | $63,258 |
| Sector 44-45 | 4,073 | 225 | $35,104 |
| Sector 72 | 3,876 | 240 | $24,052 |
| Sector 23 | 1,513 | 259 | $52,680 |
| Sector 56 | 589 | 103 | $44,325 |
| Sector 11 | 526 | 22 | $45,714 |
| Sector 48-49 | 520 | 54 | $52,085 |
| Sector 81 | 508 | 113 | $39,914 |
The largest sector is the biggest private employer group at 4,256 jobs, 14.9 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.
Navajo County
How many businesses are in Navajo County?
- Establishments, all industries1,860
- Employment at those establishments20,516
- Annual payroll$918.7 m
- Establishments per 1,000 residents17.2
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.
Navajo County
Building permits in Navajo County
- Housing units authorised by permit, 2024487
- Declared construction value permitted$161.0 m
- Single family units authorised451
- Multifamily units authorised36
- Multifamily share of units7.4 percent
- Average declared value per unit$330,517
- Units authorised per 1,000 households12.2
Multifamily is 7.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Navajo County
SBA loans in Navajo County (7(a) and 504)
- 7(a) approvals recorded86
- 7(a) gross approval dollars$66.4 m
- Average 7(a) approval$772,309
- Median 7(a) approval$350,000
- 10th percentile approval$30,000
- 90th percentile approval$1,935,700
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)807
- Jobs per approval9.4
- Distinct 7(a) lenders active42
- Distinct industries receiving approvals53
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer39.5 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter50
- Franchise loans18
- Franchise share of approvals20.9 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (16)
- Most active lenderZions Bank, A Division of (19)
- 504 approvals recorded25
- 504 gross approval dollars$15.0 m
- Average 504 approval$598,840
- Median 504 approval$292,000
- Distinct CDCs active4
- 504 jobs per approval7.2
- 504 jobs per million dollars approved12.0
- Most active CDCMountain West Small Business Finance (8)
- 7(a) share of SBA approvals77.5 percent
- Combined SBA approval dollars$81.4 m
The average approval of $772,309 sits well above the median of $350,000, 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.
Navajo County
SBA loan default and charge-off rates in Navajo County
Do SBA loans in Navajo County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure66
- Status: Paid in full10
- Status: Cancelled6
- Status: Committed, not yet disbursed4
Of the 10 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.
Navajo County
SBA lending by place in Navajo County
- Places in the county with recorded lending11
- SHOW LOW, approvals26
- Lakeside, approvals14
- SNOWFLAKE, approvals12
- Pinetop, approvals8
- HOLBROOK, approvals8
- TAYLOR, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SHOW LOW | 26 | $24,556,200 |
| Lakeside | 14 | $11,594,000 |
| SNOWFLAKE | 12 | $4,917,000 |
| Pinetop | 8 | $3,558,600 |
| HOLBROOK | 8 | $12,197,000 |
| TAYLOR | 6 | $1,061,100 |
| OVERGAARD | 5 | $2,229,500 |
| WINSLOW | 4 | $5,928,000 |
SHOW LOW accounts for 26 approvals against 14 in Lakeside. 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.
Navajo County
How large is Navajo County?
- Land area9,950 sq mi
- Rank by land area among Arizona counties4th of 15
- Width, east to west52.2 mi
- Height, north to south237.3 mi
- Geographies sharing a boundary4
- Residents per square mile of land11
- Establishments per square mile0.19
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.
Navajo County
Flood risk in Navajo 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 9
- Communities carrying a CRS class3
- Radon levels in Navajo County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The EPA places Navajo 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 Navajo County 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 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 Navajo 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 Navajo County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population108,415
- Households40,063
- Average household size2.71
- Median household income$54,606
- Median age39.5
Common questions
Navajo County questions, answered from the record.
How many people live in Navajo County, Arizona?
108,415, in 40,063 households, ranking 9th of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Navajo County's population growing?
The population has grown 2.62 percent since the 2020 census base. In 2024 there were 1,234 births against 1,502 deaths, with net migration of 506. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Navajo County?
$54,606. The median owner-occupied home is valued at $201,500, which is 3.7 times income, and median gross rent is $858 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Navajo County?
1,860 establishments, employing 20,516 people with an annual payroll of $918.7 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 Navajo County?
Average annual pay is $50,447, or $970 a week, across 28,615 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Navajo County?
86 7(a) approvals totalling $66.4 m since FY2020, across 42 lenders, with a median approval of $350,000, plus 25 504 approvals worth $15.0 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Navajo County get paid back?
Of the 10 loans that have reached a final outcome, 10 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 Navajo County?
487 housing units were authorised by permit in 2024, with a declared construction value of $161.0 m. Multifamily was 7.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Navajo 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 Navajo County come from?
The largest single origin is Navajo County Non-migrants, with 35,112 households. Arriving households report an average income of $61,776 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 Navajo 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 Navajo 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.
Navajo County
Cities and places in Navajo.
49 Census places lie wholly or partly in Navajo County. 49 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 |
|---|---|---|---|---|
| Show Low | city | 12,102 | 26 | Wholly in this county |
| Winslow | city | 8,773 | 4 | Wholly in this county |
| Snowflake | town | 6,444 | 12 | Wholly in this county |
| Kayenta | CDP | 4,927 | None recorded | Wholly in this county |
| Holbrook | city | 4,858 | 8 | Wholly in this county |
| Whiteriver | CDP | 4,545 | None recorded | Wholly in this county |
| Taylor | town | 4,183 | 6 | Wholly in this county |
| Pinetop-Lakeside | town | 4,101 | None recorded | Wholly in this county |
| Heber-Overgaard | CDP | 3,621 | None recorded | Wholly in this county |
| Lake of the Woods | CDP | 3,250 | None recorded | Wholly in this county |
| White Mountain Lake | CDP | 2,910 | None recorded | Wholly in this county |
| Linden | CDP | 2,502 | None recorded | Wholly in this county |
| Cibecue | CDP | 2,228 | None recorded | Wholly in this county |
| Joseph City | CDP | 2,153 | 1 | Wholly in this county |
| Pinetop Country Club | CDP | 2,054 | None recorded | Wholly in this county |
| Wagon Wheel | CDP | 1,716 | None recorded | Wholly in this county |
| North Fork | CDP | 1,463 | None recorded | Wholly in this county |
| First Mesa | CDP | 1,459 | None recorded | Wholly in this county |
| Dilkon | CDP | 1,270 | None recorded | Wholly in this county |
| Pinon | CDP | 1,159 | None recorded | Wholly in this county |
| Shongopovi | CDP | 1,084 | None recorded | Wholly in this county |
| East Fork | CDP | 945 | None recorded | Wholly in this county |
| McNary | CDP | 919 | None recorded | 34.0 percent here, 66.0 percent Apache County |
| Second Mesa | CDP | 832 | None recorded | Wholly in this county |
| Rainbow City | CDP | 807 | None recorded | Wholly in this county |
| Whitecone | CDP | 805 | None recorded | Wholly in this county |
| Chilchinbito | CDP | 728 | None recorded | Wholly in this county |
| Hondah | CDP | 697 | None recorded | Wholly in this county |
| Low Mountain | CDP | 697 | None recorded | Wholly in this county |
| Hotevilla-Bacavi | CDP | 645 | None recorded | Wholly in this county |
| Seven Mile | CDP | 636 | None recorded | Wholly in this county |
| Pinedale | CDP | 594 | None recorded | Wholly in this county |
| Kykotsmovi Village | CDP | 545 | None recorded | Wholly in this county |
| Tees Toh | CDP | 382 | None recorded | Wholly in this county |
| Keams Canyon | CDP | 379 | None recorded | Wholly in this county |
| Turkey Creek | CDP | 351 | None recorded | Wholly in this county |
| Clay Springs | CDP | 338 | 1 | Wholly in this county |
| Greasewood | CDP | 335 | None recorded | Wholly in this county |
| Winslow West | CDP | 335 | None recorded | Wholly in this county |
| Indian Wells | CDP | 318 | None recorded | Wholly in this county |
| Jeddito | CDP | 311 | None recorded | Wholly in this county |
| Shonto | CDP | 274 | None recorded | Wholly in this county |
| Shumway | CDP | 169 | None recorded | Wholly in this county |
| Seba Dalkai | CDP | 141 | None recorded | Wholly in this county |
| Fort Apache | CDP | 130 | None recorded | Wholly in this county |
| Hard Rock | CDP | 106 | None recorded | Wholly in this county |
| Oljato-Monument Valley | CDP | 85 | None recorded | Wholly in this county |
| Sun Valley | CDP | 74 | None recorded | Wholly in this county |
| Woodruff | CDP | 8 | None recorded | Wholly in this county |
A further 35 SBA approvals in Navajo County are recorded against borrower cities that match no Census place, the largest being Lakeside, Pinetop, Overgaard. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.