Cibola County, New Mexico: commercial real estate data.

Cibola County

How many people live in Cibola County

• Population, American Community Survey 2020-202426,845
• Households8,503
• Average household size3.16
• Median household income$50,759
• Median age40.0
• Median gross rent$759 per month
• Median owner-occupied home value$125,400
• Home value to household income2.5 times
• Annual rent as a share of median income17.9 percent
• Adults 25 and over with a bachelor degree or higher17.0 percent
• Adults 25 and over with a graduate degree7.7 percent
• Adults 25 and over18,519
• Population under 186,233
• Share under 1823.2 percent
• Population 65 and over4,881
• Share 65 and over18.2 percent
• Working age population, 18 to 6415,731
• Civilian labor force9,276
• Unemployment rate10.5 percent
• Labor force participation, adults 18 and over45.0 percent
• Rank by population among New Mexico counties17th of 33
• Rank by population among US county-equivalents, Puerto Rico included1587th of 3,222

Cibola County is the 17th largest of 33 New Mexico counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.2 percent against 18.2 percent, a household formation profile rather than a retirement one.

US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.

Cibola County

Where are people moving to Cibola County from?

• Tax returns filed by households arriving511
• People arriving, from those returns974
• Tax returns filed by households leaving499
• Net household movement12
• Adjusted gross income arriving$17.6 m
• Net adjusted gross income movement$-165,000
• Average income of an arriving household$34,446
• Average income of a leaving household$35,605
• Largest single originMcKinley County (130 households)
• Largest single destinationBernalillo County (174 households)

Households arriving report $1,159 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is McKinley 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.

Cibola County

Employment by industry in Cibola County

• Covered employment, annual average7,226
• Establishments reporting449
• Average annual pay$48,565
• Average weekly wage$934
• Health care and social assistance, employment1,441
• Health care and social assistance, average annual pay$45,629
• Retail trade, employment859
• Retail trade, average annual pay$32,129
• Accommodation and food services, employment650
• Accommodation and food services, average annual pay$20,798
• Mining, quarrying, and oil and gas extraction, employment329
• Mining, quarrying, and oil and gas extraction, average annual pay$81,819
• Administrative and support and waste management services, employment282
• Construction, employment175

Health care and social assistance is the largest private sector at 1,441 jobs, 19.9 percent of covered employment.

US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

Cibola County

SBA loans in Cibola County (7(a) and 504)

• 7(a) approvals recorded9
• 7(a) gross approval dollars$7.6 m
• Average 7(a) approval$841,333
• Median 7(a) approval$300,000
• Largest single approval$3,177,000
• Jobs reported supported, 7(a)53
• Jobs per approval5.9
• Distinct 7(a) lenders active7
• Distinct industries receiving approvals7
• Median 7(a) term120 months
• Share of loans on real estate terms, 240 months or longer44.4 percent
• Loans on real estate terms4
• Loans on working capital terms, 120 months or shorter5
• Franchise loans2
• Franchise share of approvals22.2 percent
• Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
• Most active lenderWells Fargo Bank National Association (3)
• 504 approvals recorded2
• 504 gross approval dollars$1.9 m
• Average 504 approval$960,500
• Median 504 approval$960,500
• Distinct CDCs active1
• 504 jobs per approval6.0
• 504 jobs per million dollars approved6.2
• Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.5 m

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.

Cibola County

SBA lending by place in Cibola County

• Borrower cities with recorded lending2
• Grants, approvals8
• Milan, approvals1

US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.

Cibola County

Flood risk in Cibola County

• Participation of the county's own NFIP community Cibola County, unincorporated areasParticipating, community 350145
• Communities in the county in the NFIP Community Status Book4
• Of those, participating in the NFIP4
• NFIP participation rate100.0 percent
• Communities carrying a CRS class0
• Radon levels in Cibola 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 Cibola County (community 350145), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cibola 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. 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.

Feasibility studies

When a Cibola 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 Cibola County site starts with the figures you are reading, carrying the same source and period into the credit file.

• Population, American Community Survey 2020-202426,845
• Households8,503
• Average household size3.16
• Median household income$50,759
• Median age40.0

How a feasibility study works →

Cibola County

Cities and places in Cibola.

35 Census places lie wholly or partly in Cibola County. 32 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.