Pinal County, Arizona: commercial real estate data.
Pinal County, Arizona had an estimated 513,862 residents on July 1, 2024, up 20.6 percent since the 2020 census base of 426,007, across 5,366 square miles. County output reached $16.27 bn in 2024, 4,723 establishments operate here, and the SBA record carries 225 7(a) approvals worth $122.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pinal County
How many people live in Pinal County
- Population, American Community Survey 2020-2024469,006
- Households161,917
- Average household size2.90
- Median household income$80,266
- Median age40.4
- Median gross rent$1,537 per month
- Median owner-occupied home value$349,000
- Home value to household income4.3 times
- Annual rent as a share of median income23.0 percent
- Adults 25 and over with a bachelor degree or higher22.5 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over332,152
- Population under 18100,909
- Share under 1821.5 percent
- Population 65 and over101,036
- Share 65 and over21.5 percent
- Working age population, 18 to 64267,061
- Civilian labor force204,167
- Unemployment rate6.0 percent
- Labor force participation, adults 18 and over55.5 percent
- Rank by population among Arizona counties3rd of 15
- Rank by population among US county-equivalents, Puerto Rico included154th of 3,222
Pinal County is the 3rd largest of 15 Arizona counties by population. A median home costs 4.3 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 21.5 percent against 21.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pinal County
Is Pinal County's population growing?
- Population, July 1, 2024513,862
- Census 2020 base population426,007
- Population change since the 2020 census base20.62 percent
- Population change, 2023 to 202427,467
- Births, 20245,128
- Deaths, 20244,128
- Natural change, 20241,000
- Net domestic migration, 202423,230
- Net international migration, 20243,140
- Total net migration, 202426,370
- Cumulative net domestic migration, 2021 to 202473,749
- Rank by growth among US county-equivalents17th of 3,144
The county has grown 20.62 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Pinal County
Where are people moving to Pinal County from?
- Tax returns filed by households arriving21,459
- People arriving, from those returns41,346
- Tax returns filed by households leaving14,679
- Net household movement6,780
- Adjusted gross income arriving$1.54 bn
- Net adjusted gross income movement$634.8 m
- Average income of an arriving household$71,716
- Average income of a leaving household$61,594
- Largest single originMaricopa County (10,920 households)
- Largest single destinationMaricopa County (6,868 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Maricopa County | 10,920 | 21,418 | $675.7 m |
| Pima County | 825 | 1,518 | $45.7 m |
| Los Angeles County | 393 | 740 | $30.6 m |
| San Diego County | 279 | 532 | $21.1 m |
| Riverside County | 246 | 499 | $17.9 m |
| Orange County | 200 | 388 | $21.1 m |
| King County | 192 | 348 | $27.2 m |
| San Bernardino County | 170 | 386 | $11.5 m |
Households arriving report $10,122 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.
Pinal County
What is the Pinal County economy?
- County GDP, 2024$16.27 bn
- County GDP, 2023$14.39 bn
- GDP change, 2023 to 202413.0 percent
- GDP change over five years62.0 percent
- Rank by GDP among the Arizona areas BEA publishes3rd of 15
- Rank by GDP among the US county areas BEA publishes309th of 3,127
- GDP per resident$34,694
Output grew 13.0 percent in the latest year and 62.0 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.
Pinal County
Employment by industry in Pinal County
- Covered employment, annual average77,687
- Establishments reporting5,085
- Average annual pay$58,158
- Average weekly wage$1,118
- Retail trade, employment10,831
- Retail trade, average annual pay$38,695
- Accommodation and food services, employment8,209
- Accommodation and food services, average annual pay$25,025
- Manufacturing, employment6,618
- Manufacturing, average annual pay$82,576
- Health care and social assistance, employment5,647
- Health care and social assistance, average annual pay$55,885
- Administrative and support and waste management services, employment5,148
- Construction, employment4,514
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 10,831 | 504 | $38,695 |
| Accommodation and food services | 8,209 | 406 | $25,025 |
| Manufacturing | 6,618 | 132 | $82,576 |
| Health care and social assistance | 5,647 | 466 | $55,885 |
| Administrative and support and waste management services | 5,148 | 340 | $61,254 |
| Construction | 4,514 | 527 | $71,112 |
| Wholesale trade | 2,000 | 276 | $101,794 |
| Other services, except public administration | 1,983 | 318 | $45,838 |
Retail trade is the largest private sector at 10,831 jobs, 13.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Pinal County
How many businesses are in Pinal County?
- Establishments, all industries4,723
- Employment at those establishments63,258
- Annual payroll$3.20 bn
- Establishments per 1,000 residents10.1
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.
Pinal County
Building permits in Pinal County
- Housing units authorized by permit, 20249,504
- Declared construction value permitted$2.04 bn
- Single family units authorized8,610
- Multifamily units authorized894
- Multifamily share of units9.4 percent
- Average declared value per unit$214,943
- Units authorized per 1,000 households58.7
Single-family homes are 90.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Pinal County
SBA loans in Pinal County (7(a) and 504)
- 7(a) approvals recorded225
- 7(a) gross approval dollars$122.3 m
- Average 7(a) approval$543,472
- Median 7(a) approval$200,000
- 10th percentile approval$19,400
- 90th percentile approval$1,624,920
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)2,692
- Jobs per approval12.0
- Distinct 7(a) lenders active59
- Distinct industries receiving approvals123
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.3 percent
- Loans on real estate terms39
- Loans on working capital terms, 120 months or shorter173
- Franchise loans29
- Franchise share of approvals12.9 percent
- Most active lenderU.S. Bank, National Association (29)
- 504 approvals recorded67
- 504 gross approval dollars$57.7 m
- Average 504 approval$860,731
- Median 504 approval$524,000
- Distinct CDCs active4
- 504 jobs per approval14.2
- 504 jobs per million dollars approved16.5
- Most active CDCArizona Capital Source (29)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$180.0 m
The average approval of $543,472 sits well above the median of $200,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 17.3 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.
Pinal County
SBA loan default and charge-off rates in Pinal County
Do SBA loans in Pinal County get paid back?
- Loans with a final outcome recorded55
- Paid in full46
- Charged off9
- Charge-off rate on resolved loans16.4 percent
- Status: Paid in full46
- Status: Exempt from disclosure132
- Status: Cancelled26
- Status: Charged off9
- Status: Committed, not yet disbursed12
Of the 55 loans that have reached a final outcome, 16.4 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.
Pinal County
SBA lending by place in Pinal County
- Borrower cities with recorded lending16
- San Tan Valley, approvals58
- Casa Grande, approvals44
- Apache Junction, approvals35
- Maricopa, approvals32
- Queen Creek, approvals15
- Coolidge, approvals10
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| San Tan Valley | 58 | $26,093,300 |
| Casa Grande | 44 | $41,776,000 |
| Apache Junction | 35 | $19,136,000 |
| Maricopa | 32 | $8,497,800 |
| Queen Creek | 15 | $8,018,000 |
| Coolidge | 10 | $5,104,300 |
| Florence | 9 | $3,436,500 |
| Gold Canyon | 7 | $4,778,300 |
| 8 other borrower cities | 15 | $5,441,000 |
San Tan Valley accounts for 58 approvals against 44 in Casa Grande. 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.
Pinal County
How large is Pinal County?
- Land area5,366 sq mi
- Rank by land area among Arizona counties10th of 15
- Width, east to west101.8 mi
- Height, north to south66.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land87
- Establishments per square mile0.88
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.
Pinal County
Flood risk in Pinal County
- Participation of the county's own NFIP community Pinal County, unincorporated areasParticipating, community 040077
- Community Rating System class of the county's own communityClass 7
- Communities in the county in the NFIP Community Status Book15
- Of those, participating in the NFIP15
- 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 7
- Communities carrying a CRS class4
- Radon levels in Pinal 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 Pinal County (community 040077), participates in the National Flood Insurance Program and carries Community Rating System class 7, a flood insurance premium discount for policies written there. The EPA places Pinal 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 7, 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 Pinal 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 Pinal County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024469,006
- Households161,917
- Average household size2.90
- Median household income$80,266
- Median age40.4
Common questions
Pinal County questions, answered from the record.
How many people live in Pinal County, Arizona?
The Census Bureau estimates 513,862 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 469,006, in 161,917 households, ranking 3rd of 15 Arizona counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pinal County's population growing?
The population has grown 20.62 percent since the 2020 census base of 426,007, to 513,862 on July 1, 2024. In 2024 there were 5,128 births against 4,128 deaths, with net migration of 26,370. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pinal County?
$80,266. The median owner-occupied home is valued at $349,000, which is 4.3 times income, and median gross rent is $1,537 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Pinal County?
4,723 establishments, employing 63,258 people with an annual payroll of $3.20 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 Pinal County?
Retail trade is the largest private sector at 10,831 jobs, 13.9 percent of covered employment. Covered employment averages 77,687 jobs at an average annual pay of $58,158, or $1,118 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pinal County?
225 7(a) approvals totaling $122.3 m since FY2020, across 59 lenders, with a median approval of $200,000, plus 67 504 approvals worth $57.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Pinal County get paid back?
Of the 55 loans that have reached a final outcome, 46 were paid in full and 9 charged off, a charge-off rate of 16.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Pinal County?
9,504 housing units were authorized by permit in 2024, with a declared construction value of $2.04 bn. Multifamily was 9.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pinal 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 Pinal County come from?
The largest single origin is Maricopa County, with 10,920 households. Arriving households report an average income of $71,716 against $61,594 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Pinal 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 Pinal 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.
Pinal County
Cities and places in Pinal.
42 Census places lie wholly or partly in Pinal County. 38 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 |
|---|---|---|---|---|
| San Tan Valley | CDP | 109,189 | 58 | Wholly in this county |
| Queen Creek | town | 71,867 | 15 | 37.0 percent here, 63.0 percent Maricopa County |
| Maricopa | city | 67,163 | 32 | Wholly in this county |
| Casa Grande | city | 60,905 | 44 | Wholly in this county |
| Apache Junction | city | 41,058 | 35 | Wholly in this county |
| Florence | town | 25,570 | 9 | Wholly in this county |
| Eloy | city | 17,433 | 3 | Wholly in this county |
| Coolidge | city | 16,636 | 10 | Wholly in this county |
| Gold Canyon | CDP | 13,107 | 7 | Wholly in this county |
| Saddlebrooke | CDP | 13,085 | None recorded | Wholly in this county |
| Arizona City | CDP | 9,543 | 3 | Wholly in this county |
| San Manuel | CDP | 3,491 | None recorded | Wholly in this county |
| Sacaton | CDP | 3,429 | None recorded | Wholly in this county |
| Red Rock | CDP | 3,277 | None recorded | Wholly in this county |
| Oracle | CDP | 3,146 | 1 | Wholly in this county |
| Superior | town | 2,535 | None recorded | Wholly in this county |
| Kearny | town | 2,109 | None recorded | Wholly in this county |
| Blackwater | CDP | 1,958 | None recorded | Wholly in this county |
| Casa Blanca | CDP | 1,697 | None recorded | Wholly in this county |
| Mammoth | town | 1,191 | None recorded | Wholly in this county |
| Ak-Chin Village | CDP | 1,132 | None recorded | Wholly in this county |
| Queen Valley | CDP | 1,118 | 2 | Wholly in this county |
| Dudleyville | CDP | 684 | None recorded | Wholly in this county |
| Stanfield | CDP | 646 | None recorded | Wholly in this county |
| Cactus Forest | CDP | 640 | None recorded | Wholly in this county |
| Sacaton Flats Village | CDP | 604 | None recorded | Wholly in this county |
| Goodyear Village | CDP | 590 | None recorded | Wholly in this county |
| Wet Camp Village | CDP | 397 | None recorded | Wholly in this county |
| Picacho | CDP | 297 | None recorded | Wholly in this county |
| Lower Santan Village | CDP | 289 | None recorded | Wholly in this county |
| Sacate Village | CDP | 283 | None recorded | Wholly in this county |
| Chuichu | CDP | 278 | None recorded | Wholly in this county |
| Upper Santan Village | CDP | 234 | None recorded | Wholly in this county |
| Winkelman | town | 191 | None recorded | 62.3 percent here, 37.7 percent Gila County |
| Vaiva Vo | CDP | 184 | None recorded | Wholly in this county |
| Top-of-the-World | CDP | 142 | None recorded | 84.2 percent here, 15.8 percent Gila County |
| Sweet Water Village | CDP | 106 | None recorded | Wholly in this county |
| Stotonic Village | CDP | 78 | None recorded | Wholly in this county |
| Campo Bonito | CDP | 0 | None recorded | Wholly in this county |
| Kohatk | CDP | 0 | None recorded | Wholly in this county |
| Santa Cruz | CDP | 0 | None recorded | Wholly in this county |
| Tat Momoli | CDP | 0 | None recorded | Wholly in this county |
A further 6 of the county's 225 SBA 7(a) approvals are to borrowers in cities that match no Census place in Pinal County, the largest being Tucson (2), Phoenix (2), Catalina (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