1st Advantage MortgageThe median Greenlee County household earns $71,164, and 8% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Greenlee County
- Income in Greenlee County compared with Arizona
- What it costs to live in Greenlee County
- Employment and commuting in Greenlee County
- Greenlee County towns compared
- The counties around Greenlee County
- Greenlee County households compared
- Before borrowing in Greenlee County
- What a median Greenlee County budget can carry
- Four steps for Greenlee County borrowers
- Lender oversight for Greenlee County
- Nearby and statewide guides
- Frequently asked questions
Getting oriented in Greenlee County
With an estimated 9,409 residents (ACS 2020 to 2024), Greenlee County ranks 15th of 15 in Arizona for population. It covers 1,843 square miles of land, or about 5 people per square mile. No metropolitan area includes Greenlee County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 5 places in the county (2 incorporated, 3 census-designated); the largest is Clifton, with about 3,822 residents, or 41% of the county. With so few households sampled, Greenlee County estimates can move a lot between releases.
Income in Greenlee County compared with Arizona
The median household income in Greenlee County is $71,164; statewide it is $79,964, so Greenlee County runs 11% below Arizona as a whole. Only 3 Arizona counties post a higher median.
| Household income | Greenlee County | vs Arizona |
|---|---|---|
| Under $35,000 | 22.8% | +2.7 pts |
| $35,000 to $99,999 | 51.5% | +11.0 pts |
| $100,000 to $199,999 | 19.5% | -8.3 pts |
| $200,000 or more | 6.2% | -5.4 pts |
Some 23% of households here live on less than $35,000 a year; 26% have six-figure incomes. Census counts 8.2% of Greenlee County residents in poverty, against 12.5% across Arizona. Income inequality, measured by the Gini index, comes to 0.402 here. A household earning below the $71,164 median should test any payment carefully; one earning above it should still pick the shortest term it can manage.
What it costs to live in Greenlee County
Median gross rent, utilities included, comes to $648 in Greenlee County versus $1,543 statewide. 11% of renting households spend 30% or more of income on rent, and 4% spend half or more. Home values center on $158,600, or 2.2 years of median income. Owners occupy 53% of homes.
| Measure | Greenlee County | Arizona | Median U.S. county |
|---|---|---|---|
| Median gross rent | $648/mo | $1,543/mo | $877/mo |
| Median home value | $158,600 | $394,500 | $185,300 |
| Owners | 53% | 67% | 75% |
| Rent-burdened renters | 11% | 51% | 45% |
| Burdened owners | 10% | 28% | n/a |
Renters cannot borrow against a house, which narrows the choice to unsecured loans, cards and help from creditors; compare total cost, not just the payment.
Employment and commuting in Greenlee County
By the Census industry count, 43% of employed Greenlee County residents work in agriculture, forestry and mining and 22% in education and health care. Compared with Arizona, the county leans toward agriculture, forestry and mining (43% against 1%). Averaged over the five survey years, 2.3% of the labor force was out of work and looking. About 88% drive to work alone and 12% have trips of 45 minutes or more. 2.5% of households have no vehicle.
| Top industries | Greenlee County share | +/- vs Arizona |
|---|---|---|
| Agriculture, forestry and mining | 42.9% | +41.7 pts |
| Education and health care | 22.2% | +0.1 pts |
| Construction | 6.4% | -1.4 pts |
| Other services | 6.3% | +1.8 pts |
| Public administration | 5.9% | +1.2 pts |
| Professional and administrative services | 3.9% | -8.7 pts |
Shorter commutes usually mean lower vehicle costs, which can leave more room for a payment, or for paying a loan off early.
Greenlee County towns compared
The table lists the 5 largest of 5 Census places in Greenlee County, by population. Together all 5 hold about 6,966 people, so roughly 26% of residents live outside any named place. Incomes vary by place: $78,480 at the median in Clifton, $33,529 in Duncan. Rent is cheapest in Clifton ($607) and steepest in Morenci ($708). No Greenlee County place has a separate guide yet; this county page serves all 5.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Clifton | town | 3,822 | $78,480 | $607 | 15 mi |
| Morenci | CDP | 1,673 | $69,583 | $708 | 14 mi |
| Duncan | town | 969 | $33,529 | $665 | 35 mi |
| York | CDP | 399 | $83,097 | n/a | 22 mi |
| Franklin | CDP | 103 | $79,327 | n/a | 40 mi |
The counties around Greenlee County
Distances run center to center, from Graham County at 42 miles out to Cochise County at 102. None of the six report a higher median household income than Greenlee County; Graham County is highest at $67,325 and Grant County lowest at $44,958. The list crosses into New Mexico, where different lending rules and regulators apply.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Greenlee County | - | $71,164 | $648/mo | 53% |
| Graham County, AZ | 42 mi | $67,325 | $935/mo | 73% |
| Grant County, NM | 61 mi | $44,958 | $825/mo | 76% |
| Catron County, NM | 67 mi | $49,864 | $736/mo | 94% |
| Hidalgo County, NM | 97 mi | $48,882 | $814/mo | 81% |
| Gila County, AZ | 98 mi | $61,986 | $1,030/mo | 78% |
| Cochise County, AZ | 102 mi | $59,742 | $995/mo | 71% |
Greenlee County households compared
Degree holders: 21% of adults over 25. About 3% go without health insurance.
| People and households | Greenlee County | Arizona | Median county |
|---|---|---|---|
| Median age | 36.3 | 39.0 | 41.5 |
| Bachelor's or higher | 20.9% | 33.3% | 22.2% |
| No high school diploma | 14.5% | 10.6% | n/a |
| No health insurance | 2.9% | 10.5% | 7.8% |
| No vehicle | 2.5% | 5.4% | 5.4% |
| Work from home | 0.9% | 18.4% | 8.7% |
| Poverty rate | 8.2% | 12.5% | 13.2% |
| Unemployment (ACS) | 2.3% | 5.1% | 4.4% |
| One-way commute | Share of Greenlee County workers |
|---|---|
| Under 15 min | 50.4% |
| 15 to 29 min | 23.2% |
| 30 to 44 min | 14.1% |
| 45 to 59 min | 8.7% |
| 60+ min | 3.6% |
Before borrowing in Greenlee County
Where the Greenlee County numbers stand out, and why it matters for a loan:
- 17% mobile homes. Many are not titled as real estate, so home-equity options may not apply; an unsecured loan is the usual route.
- Credit reports. Pull free reports at AnnualCreditReport.com and dispute errors before applying.
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
What a median Greenlee County budget can carry
How much room does a median Greenlee County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Median income divided by twelve: $5,930 before taxes
- Less median rent of $648, which is 11% of it
- Under a 40% cap, $2,372 total minus rent leaves $1,724
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Four steps for Greenlee County borrowers
Before you apply, wherever you live in Greenlee County:
- Write down what the expense costs; a smaller loan costs less.
- Line up offers side by side: APR, fees in dollars, total cost.
- Confirm the lender is licensed in Arizona.
- Ask a Greenlee County credit union about member loans.
Lender oversight for Greenlee County
Greenlee County borrowers fall under statewide rules, enforced by the Arizona Department of Insurance and Financial Institutions. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The Arizona guide covers state rules in more detail.
Nearby and statewide guides
The Arizona guide covers the whole state.
Frequently asked questions
What does a typical Greenlee County household make?
About $71,164 a year at the median (ACS 2020-24), 11% below the Arizona median.
What do renters pay in Greenlee County?
$648 a month at the median, about 11% of median household income.
What are the biggest places in Greenlee County?
By population: Clifton, Morenci, Duncan, York, Franklin. The county has 5 Census places in all.
Will a Greenlee County address affect my match?
Beyond confirming Arizona as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Greenlee County residents?
The Arizona Department of Insurance and Financial Institutions licenses consumer lenders in Arizona; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.