1st Advantage MortgageIn Coconino County, Arizona, the typical household earns $72,966 a year and the typical rent is $1,473. Borrow only what the expense needs, pick the shortest affordable term, and walk away from any lender asking a Coconino County applicant for an upfront fee.
On this page
- Coconino County by the numbers
- Coconino County's most unusual numbers
- Rent, home values and ownership in Coconino County
- Labor force snapshot: Coconino County
- Household income in Coconino County
- Coconino County towns compared
- How Coconino County compares with nearby counties
- Budget math at the Coconino County median
- Before borrowing in Coconino County
- Coconino County demographics against Arizona
- Steps before you apply in Coconino County
- Who licenses lenders for Coconino County residents
- More guides for Coconino County
- Frequently asked questions
Coconino County by the numbers
With an estimated 144,508 residents (ACS 2020 to 2024), Coconino County ranks 7th of 15 in Arizona for population. Spread over 18,616 square miles, that works out to roughly 7.8 residents per square mile. Metro area: Flagstaff, AZ (OMB, 2023). Flagstaff (76,445 people) heads the county's list of 33 Census places, 5 incorporated and 28 census-designated.
Coconino County's most unusual numbers
Ranked against the other 14 county-level areas in Arizona, these are the Coconino County figures furthest from the middle.
- On the share of adults with a bachelor's degree, Coconino County sits near the top of Arizona at 40%, the highest of 15. Student loan payments count in a debt-to-income ratio, so list them.
- Coconino County ranks the lowest of 15 Arizona counties for median age: 32.8, against 39.0 statewide. A young county means many first-time borrowers; read every fee line.
- Coconino County ranks 2nd lowest of 15 Arizona counties for homeownership: 60%, against 67% statewide. Many renters means few borrowers have home equity to fall back on.
- On median home value, Coconino County sits near the top of Arizona at $448,000, 2nd highest of 15. High values mean many owners could borrow against equity; weigh that risk carefully.
Rent, home values and ownership in Coconino County
Renters in Coconino County pay a median of $1,473 a month, 5% below the Arizona figure of $1,543. Cost-burdened renters, paying 30%-plus of income: 52% in Coconino County, 51% statewide. Home values center on $448,000, or 6.1 years of median income. Owners occupy 60% of homes. Nationally, Coconino County's $1,473 rent is 68% above the middle county.
| Home costs | Coconino County | Arizona | Compared with Arizona |
|---|---|---|---|
| Median gross rent | $1,473/mo | $1,543/mo | 5% lower |
| Median home value | $448,000 | $394,500 | 14% higher |
| Owners | 60% | 67% | -7.7 pts |
| Rent-burdened renters | 52% | 51% | +0.2 pts |
| Burdened owners | 28% | 28% | +0.7 pts |
| Mobile homes | 13.4% | 9.3% | +4.1 pts |
Rent pressure is real here, so run any payment through the debt-to-income calculator before you apply.
Labor force snapshot: Coconino County
Top Coconino County industry by residents employed: education and health care, 28%; second, arts, lodging and food service, 16%. Arts, lodging and food service stands out: 16% of workers here, versus 10% statewide. Unemployment in Coconino County, ACS five-year: 5.6%; Arizona: 5.1%. 47% of Coconino County workers get to work in under 15 minutes, while 9% need 45 or more.
| Industry (employed residents 16+) | Coconino County | Gap to Arizona |
|---|---|---|
| Education and health care | 28.1% | +6.0 pts |
| Arts, lodging and food service | 16.2% | +6.7 pts |
| Retail trade | 10.7% | -1.1 pts |
| Professional and administrative services | 8.7% | -3.9 pts |
| Manufacturing | 7.9% | +0.4 pts |
| Construction | 6.8% | -1.0 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Household income in Coconino County
Coconino County households have a median income of $72,966 (ACS 2020 to 2024), which ranks 3rd of 15 in Arizona.
| Income band | Share in Coconino County | Difference from Arizona |
|---|---|---|
| Under $35,000 | 24.3% | +4.2 pts |
| $35,000 to $99,999 | 39.8% | -0.8 pts |
| $100,000 to $199,999 | 25.4% | -2.4 pts |
| $200,000 or more | 10.6% | -1.0 pts |
The spread is wide: 36% of Coconino County households make $100,000 or more, and 24% make less than $35,000. Poverty rate, Coconino County: 16.8%; Arizona: 12.5%. Gini index for Coconino County: 0.483. A household earning below the $72,966 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
Coconino County towns compared
33 Census places fall mainly inside Coconino County; the 14 biggest are below. They account for 130,652 residents, leaving about 10% of the county in unincorporated, unnamed areas. Fort Valley has the highest median household income on the list ($125,625) and Kaibab Estates West the lowest ($38,512), counting places with at least 500 residents. Rent is cheapest in Cameron ($517) and steepest in Flagstaff ($1,645). No Coconino County place has a separate guide yet; this county page serves all 33.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Flagstaff | city | 76,445 | $71,512 | $1,645 | 45 mi |
| Tuba City | CDP | 7,960 | $61,338 | $867 | 36 mi |
| Page | city | 7,345 | $88,826 | $653 | 78 mi |
| Doney Park | CDP | 6,253 | $104,967 | $1,212 | 42 mi |
| Williams | city | 3,369 | $76,136 | $1,174 | 46 mi |
| Kachina Village | CDP | 3,212 | $90,375 | $1,232 | 51 mi |
| Mountain View Ranches | CDP | 1,984 | $116,290 | n/a | 45 mi |
| Timberline-Fernwood | CDP | 1,973 | $124,638 | n/a | 38 mi |
| Fort Valley | CDP | 1,761 | $125,625 | n/a | 35 mi |
| Parks | CDP | 1,706 | $78,333 | n/a | 39 mi |
| Bellemont | CDP | 1,701 | $119,722 | n/a | 41 mi |
| Red Lake | CDP | 1,676 | $100,988 | n/a | 39 mi |
| Kaibito | CDP | 1,661 | $46,932 | $682 | 64 mi |
| Grand Canyon Village | CDP | 1,599 | $73,418 | $710 | 27 mi |
How Coconino County compares with nearby counties
The six counties whose centers lie closest to Coconino County's, from 87 to 137 miles away. Richest neighbor: Washington County, $80,632. Poorest: Apache County, $41,438. Coconino County: $72,966. The list crosses into Utah, where different lending rules and regulators apply.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Coconino County | - | $72,966 | $1,473/mo | 60% |
| Navajo County, AZ | 87 mi | $54,606 | $858/mo | 73% |
| Yavapai County, AZ | 94 mi | $69,613 | $1,351/mo | 75% |
| Kane County, UT | 100 mi | $77,092 | $1,072/mo | 80% |
| Mohave County, AZ | 111 mi | $57,684 | $1,091/mo | 74% |
| Apache County, AZ | 132 mi | $41,438 | $647/mo | 79% |
| Washington County, UT | 137 mi | $80,632 | $1,566/mo | 72% |
Budget math at the Coconino County median
The debt-to-income ratio is the main affordability test lenders use. Applied to Coconino County's medians:
- Start: $6,080 gross per month ($72,966 / 12)
- 24% goes to median rent ($1,473)
- 36% debt-to-income limit: $716 left for all other debt payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before borrowing in Coconino County
Based on the Coconino County data above, these borrowing questions are most likely to matter locally.
- Medical bills. 11% of Coconino County residents are uninsured. Before borrowing for care, ask the provider about financial assistance and payment plans.
- Manufactured homes. 13% of Coconino County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Rent squeeze. 52% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
Coconino County demographics against Arizona
Degree holders: 40% of adults over 25. Uninsured, Coconino County: 11.0%; Arizona: 10.5%.
| Coconino County | vs Arizona | vs U.S. county median | |
|---|---|---|---|
| Bachelor's or higher | 40.3% | +7.0 pts | +18.2 pts |
| Median age | 32.8 | -6.2 yrs | -8.7 yrs |
| Work from home | 12.9% | -5.4 pts | +4.3 pts |
| Poverty rate | 16.8% | +4.3 pts | +3.6 pts |
| No high school diploma | 8.0% | -2.6 pts | n/a |
| Unemployment (ACS) | 5.6% | +0.6 pts | +1.2 pts |
| No health insurance | 11.0% | +0.5 pts | +3.2 pts |
| No vehicle | 5.6% | +0.2 pts | +0.2 pts |
| One-way commute | Share of Coconino County workers |
|---|---|
| Under 15 min | 47.3% |
| 15 to 29 min | 35.2% |
| 30 to 44 min | 8.9% |
| 45 to 59 min | 3.3% |
| 60+ min | 5.3% |
Steps before you apply in Coconino County
Four checks before you sign anything:
- Borrow the amount the job needs; extra cash adds interest.
- Prequalify with soft pulls where offered, then compare in writing.
- Confirm the lender is licensed in Arizona.
- Pick the shortest term whose payment still fits.
Who licenses lenders for Coconino County residents
The Arizona Department of Insurance and Financial Institutions is the place to verify any lender's Arizona license. If a Coconino County lender ignores a dispute, the CFPB complaint portal is the federal backstop. More on Arizona: Arizona personal loans.
More guides for Coconino County
For statewide rules and data, see the Arizona guide.
Frequently asked questions
How much do households in Coconino County earn?
The median is $72,966; 36% earn $100,000 or more and 24% under $35,000. A lender uses your own documented income, not this figure.
How does Coconino County rent compare with Arizona?
$1,473 locally versus $1,543 for the state, 5% below.
Is Supai covered?
Yes. Supai is one of 33 Census places in Coconino County, and this guide covers all of them.
Are Coconino County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Where can someone in Coconino County check a lender's license?
With the Arizona Department of Insurance and Financial Institutions. If a lender is unlicensed or asks for a fee before funding, walk away.