Adair County, Oklahoma: commercial real estate data.
Adair County, Oklahoma had an estimated 19,821 residents on July 1, 2024, up 1.7 percent since the 2020 census base of 19,498, across 573 square miles. County output reached $593.3 m in 2024, 242 establishments operate here, and the SBA record carries 3 7(a) approvals worth $786,500 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Adair County
How many people live in Adair County
- Population, American Community Survey 2020-202419,575
- Households7,133
- Average household size2.74
- Median household income$48,041
- Median age37.9
- Median gross rent$667 per month
- Median owner-occupied home value$117,800
- Home value to household income2.5 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher12.3 percent
- Adults 25 and over with a graduate degree5.2 percent
- Adults 25 and over12,779
- Population under 185,117
- Share under 1826.1 percent
- Population 65 and over3,090
- Share 65 and over15.8 percent
- Working age population, 18 to 6411,368
- Civilian labor force8,350
- Unemployment rate6.9 percent
- Labor force participation, adults 18 and over57.8 percent
- Rank by population among Oklahoma counties41st of 77
- Rank by population among US county-equivalents, Puerto Rico included1907th of 3,222
Adair County is the 41st largest of 77 Oklahoma 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 26.1 percent against 15.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adair County
Is Adair County's population growing?
- Population, July 1, 202419,821
- Census 2020 base population19,498
- Population change since the 2020 census base1.66 percent
- Population change, 2023 to 2024180
- Births, 2024303
- Deaths, 2024323
- Natural change, 2024-20
- Net domestic migration, 2024186
- Net international migration, 202416
- Total net migration, 2024202
- Cumulative net domestic migration, 2021 to 2024452
- Rank by growth among US county-equivalents1283rd of 3,144
The county has grown 1.66 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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.
Adair County
Where are people moving to Adair County from?
- Tax returns filed by households arriving455
- People arriving, from those returns968
- Tax returns filed by households leaving357
- Net household movement98
- Adjusted gross income arriving$17.4 m
- Net adjusted gross income movement$4.8 m
- Average income of an arriving household$38,275
- Average income of a leaving household$35,420
- Largest single originBenton County (87 households)
- Largest single destinationCherokee County (72 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Benton County | 87 | 188 | $3.8 m |
| Cherokee County | 62 | 139 | $1.8 m |
| Washington County | 51 | 116 | $1.6 m |
| Delaware County | 39 | 90 | $1.1 m |
| Sequoyah County | 24 | 49 | $870,000 |
Households arriving report $2,855 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 Benton 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.
Adair County
What is the Adair County economy?
- County GDP, 2024$593.3 m
- County GDP, 2023$558.7 m
- GDP change, 2023 to 20246.2 percent
- GDP change over five years40.2 percent
- Rank by GDP among the Oklahoma areas BEA publishes52nd of 77
- Rank by GDP among the US county areas BEA publishes2283rd of 3,127
- GDP per resident$30,310
Output grew 6.2 percent in the latest year and 40.2 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.
Adair County
Employment by industry in Adair County
- Covered employment, annual average4,394
- Establishments reporting355
- Average annual pay$42,371
- Average weekly wage$815
- Manufacturing, employment1,167
- Manufacturing, average annual pay$53,077
- Retail trade, employment592
- Retail trade, average annual pay$27,973
- Accommodation and food services, employment290
- Accommodation and food services, average annual pay$17,351
- Finance and insurance, employment134
- Finance and insurance, average annual pay$46,772
- Transportation and warehousing, employment95
- Other services, except public administration, employment95
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,167 | 20 | $53,077 |
| Retail trade | 592 | 54 | $27,973 |
| Accommodation and food services | 290 | 22 | $17,351 |
| Finance and insurance | 134 | 25 | $46,772 |
| Transportation and warehousing | 95 | 15 | $52,786 |
| Other services, except public administration | 95 | 18 | $55,423 |
| Construction | 91 | 32 | $44,904 |
| Information | 12 | 8 | $69,450 |
Manufacturing is the largest private sector at 1,167 jobs, 26.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Adair County
How many businesses are in Adair County?
- Establishments, all industries242
- Employment at those establishments2,991
- Annual payroll$133.6 m
- Establishments per 1,000 residents12.4
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.
Adair County
Building permits in Adair County
- Housing units authorized by permit, 202430
- Declared construction value permitted$5.6 m
- Single family units authorized16
- Multifamily units authorized14
- Multifamily share of units46.7 percent
- Average declared value per unit$186,242
- Units authorized per 1,000 households4.2
Multifamily is 46.7 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Adair County
SBA loans in Adair County (7(a) and 504)
- 7(a) approvals recorded3
- 7(a) gross approval dollars$786,500
- Average 7(a) approval$262,167
- Median 7(a) approval$175,000
- Largest single approval$594,500
- Jobs reported supported, 7(a)13
- Jobs per approval4.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals33.3 percent
- 504 approvals recorded1
- 504 gross approval dollars$516,000
- Average 504 approval$516,000
- Median 504 approval$516,000
- Distinct CDCs active1
- 504 jobs per approval7.0
- 504 jobs per million dollars approved13.6
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$1.3 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.
Adair County
SBA loan default and charge-off rates in Adair County
Do SBA loans in Adair County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure1
- Status: Cancelled1
Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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.
Adair County
SBA lending by place in Adair County
- Borrower cities with recorded lending2
- Westville, approvals2
- Watts, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Westville | 2 | $769,500 |
| Watts | 1 | $17,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adair County
How large is Adair County?
- Land area573 sq mi
- Rank by land area among Oklahoma counties64th of 77
- Width, east to west18.8 mi
- Height, north to south36.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land34
- Establishments per square mile0.42
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.
Adair County
Flood risk in Adair County
- Participation of the county's own NFIP community Adair County, unincorporated areasParticipating, community 400501
- 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 Adair 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 Adair County (community 400501), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Adair 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.
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 Adair 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 Adair County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202419,575
- Households7,133
- Average household size2.74
- Median household income$48,041
- Median age37.9
Common questions
Adair County questions, answered from the record.
How many people live in Adair County, Oklahoma?
The Census Bureau estimates 19,821 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 19,575, in 7,133 households, ranking 41st of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adair County's population growing?
The population has grown 1.66 percent since the 2020 census base of 19,498, to 19,821 on July 1, 2024. In 2024 there were 303 births against 323 deaths, with net migration of 202. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adair County?
$48,041. The median owner-occupied home is valued at $117,800, which is 2.5 times income, and median gross rent is $667 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Adair County?
242 establishments, employing 2,991 people with an annual payroll of $133.6 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Adair County?
Manufacturing is the largest private sector at 1,167 jobs, 26.6 percent of covered employment. Covered employment averages 4,394 jobs at an average annual pay of $42,371, or $815 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adair County?
3 7(a) approvals totaling $786,500 since FY2020, across 3 lenders, with a median approval of $175,000, plus 1 504 approvals worth $516,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Adair County?
30 housing units were authorized by permit in 2024, with a declared construction value of $5.6 m. Multifamily was 46.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adair 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 Adair County come from?
The largest single origin is Benton County, with 87 households. Arriving households report an average income of $38,275 against $35,420 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Adair 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 Adair 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.
Adair County
Cities and places in Adair.
28 Census places lie wholly or partly in Adair County. All 28 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Stilwell | city | 3,755 | None recorded | Wholly in this county |
| Westville | town | 1,743 | 2 | Wholly in this county |
| Fairfield | CDP | 690 | None recorded | Wholly in this county |
| Chewey | CDP | 642 | None recorded | Wholly in this county |
| Cherry Tree | CDP | 585 | None recorded | Wholly in this county |
| Lyons Switch | CDP | 569 | None recorded | Wholly in this county |
| Rocky Mountain | CDP | 532 | None recorded | Wholly in this county |
| Titanic | CDP | 419 | None recorded | Wholly in this county |
| Baron | CDP | 413 | None recorded | Wholly in this county |
| Bell | CDP | 384 | None recorded | Wholly in this county |
| Peavine | CDP | 316 | None recorded | Wholly in this county |
| Chance | CDP | 315 | None recorded | Wholly in this county |
| Wauhillau | CDP | 309 | None recorded | Wholly in this county |
| Old Green | CDP | 301 | None recorded | Wholly in this county |
| Christie | CDP | 252 | None recorded | Wholly in this county |
| Watts | town | 234 | 1 | Wholly in this county |
| Greasy | CDP | 164 | None recorded | Wholly in this county |
| Elm Grove | CDP | 100 | None recorded | Wholly in this county |
| Proctor | CDP | 100 | None recorded | Wholly in this county |
| Piney | CDP | 84 | None recorded | Wholly in this county |
| West Peavine | CDP | 84 | None recorded | Wholly in this county |
| Mulberry | CDP | 69 | None recorded | Wholly in this county |
| Honey Hill | CDP | 68 | None recorded | Wholly in this county |
| Cave Spring | CDP | 60 | None recorded | Wholly in this county |
| Marietta | CDP | 53 | None recorded | Wholly in this county |
| Bunch | CDP | 38 | None recorded | Wholly in this county |
| Zion | CDP | 29 | None recorded | Wholly in this county |
| Elohim City | CDP | 18 | None recorded | Wholly in this county |