Atoka County, Oklahoma: commercial real estate data.
Atoka County, Oklahoma had an estimated 14,600 residents on July 1, 2024, up 3.2 percent since the 2020 census base of 14,144, across 976 square miles. County output reached $484.7 m in 2024, 259 establishments operate here, and the SBA record carries 6 7(a) approvals worth $7.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Atoka County
How many people live in Atoka County
- Population, American Community Survey 2020-202414,379
- Households4,975
- Average household size2.89
- Median household income$54,785
- Median age40.6
- Median gross rent$708 per month
- Median owner-occupied home value$157,600
- Home value to household income2.9 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over10,243
- Population under 183,061
- Share under 1821.3 percent
- Population 65 and over2,714
- Share 65 and over18.9 percent
- Working age population, 18 to 648,604
- Civilian labor force5,601
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over49.5 percent
- Rank by population among Oklahoma counties46th of 77
- Rank by population among US county-equivalents, Puerto Rico included2195th of 3,222
Atoka County is the 46th largest of 77 Oklahoma counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 21.3 percent against 18.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Atoka County
Is Atoka County's population growing?
- Population, July 1, 202414,600
- Census 2020 base population14,144
- Population change since the 2020 census base3.22 percent
- Population change, 2023 to 202476
- Births, 2024135
- Deaths, 2024142
- Natural change, 2024-7
- Net domestic migration, 202447
- Net international migration, 202436
- Total net migration, 202483
- Cumulative net domestic migration, 2021 to 2024504
- Rank by growth among US county-equivalents823rd of 3,144
The county has grown 3.22 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.
Atoka County
Where are people moving to Atoka County from?
- Tax returns filed by households arriving333
- People arriving, from those returns657
- Tax returns filed by households leaving298
- Net household movement35
- Adjusted gross income arriving$16.4 m
- Net adjusted gross income movement$6.8 m
- Average income of an arriving household$49,129
- Average income of a leaving household$32,201
- Largest single originBryan County (74 households)
- Largest single destinationBryan County (71 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Bryan County | 74 | 159 | $3.7 m |
| Coal County | 33 | 74 | $1.1 m |
Households arriving report $16,928 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 Bryan 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.
Atoka County
What is the Atoka County economy?
- County GDP, 2024$484.7 m
- County GDP, 2023$443.4 m
- GDP change, 2023 to 20249.3 percent
- GDP change over five years29.2 percent
- Rank by GDP among the Oklahoma areas BEA publishes58th of 77
- Rank by GDP among the US county areas BEA publishes2421st of 3,127
- GDP per resident$33,707
Output grew 9.3 percent in the latest year and 29.2 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.
Atoka County
Employment by industry in Atoka County
- Covered employment, annual average3,450
- Establishments reporting334
- Average annual pay$40,305
- Average weekly wage$775
- Retail trade, employment523
- Retail trade, average annual pay$31,245
- Transportation and warehousing, employment144
- Transportation and warehousing, average annual pay$43,719
- Finance and insurance, employment144
- Finance and insurance, average annual pay$62,572
- Manufacturing, employment106
- Manufacturing, average annual pay$40,946
- Professional, scientific and technical services, employment83
- Construction, employment76
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 523 | 50 | $31,245 |
| Transportation and warehousing | 144 | 20 | $43,719 |
| Finance and insurance | 144 | 22 | $62,572 |
| Manufacturing | 106 | 14 | $40,946 |
| Professional, scientific and technical services | 83 | 28 | $60,503 |
| Construction | 76 | 22 | $41,793 |
| Other services, except public administration | 56 | 14 | $26,449 |
| Information | 14 | 5 | $58,152 |
Retail trade is the largest private sector at 523 jobs, 15.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Atoka County
How many businesses are in Atoka County?
- Establishments, all industries259
- Employment at those establishments2,135
- Annual payroll$69.8 m
- Establishments per 1,000 residents18.0
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.
Atoka County
Building permits in Atoka County
- Housing units authorized by permit, 202435
- Declared construction value permitted$10.6 m
- Single family units authorized35
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorized per 1,000 households7.0
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Atoka County
SBA loans in Atoka County (7(a) and 504)
- 7(a) approvals recorded6
- 7(a) gross approval dollars$7.1 m
- Average 7(a) approval$1,184,817
- Median 7(a) approval$485,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)61
- Jobs per approval10.2
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals6
- Median 7(a) term249 months
- Share of loans on real estate terms, 240 months or longer83.3 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter1
- Franchise loans1
- Franchise share of approvals16.7 percent
- Most active lenderAmeriState Bank (4)
- 504 approvals recorded2
- 504 gross approval dollars$271,000
- Average 504 approval$135,500
- Median 504 approval$135,500
- Distinct CDCs active1
- 504 jobs per approval3.5
- 504 jobs per million dollars approved25.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$7.4 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.
Atoka County
SBA loan default and charge-off rates in Atoka County
Do SBA loans in Atoka County get paid back?
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full1
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.
Atoka County
How large is Atoka County?
- Land area976 sq mi
- Rank by land area among Oklahoma counties23rd of 77
- Width, east to west42 mi
- Height, north to south36.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land15
- Establishments per square mile0.27
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.
Atoka County
Flood risk in Atoka County
- Participation of the county's own NFIP community Atoka County, unincorporated areasParticipating, community 400508
- Communities in the county in the NFIP Community Status Book4
- Of those, participating in the NFIP3
- NFIP participation rate75.0 percent
- Communities carrying a CRS class0
- Radon levels in Atoka County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The county's own community in the status book, unincorporated Atoka County (community 400508), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Atoka County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 75.0 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 Atoka 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 Atoka County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202414,379
- Households4,975
- Average household size2.89
- Median household income$54,785
- Median age40.6
Common questions
Atoka County questions, answered from the record.
How many people live in Atoka County, Oklahoma?
The Census Bureau estimates 14,600 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 14,379, in 4,975 households, ranking 46th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Atoka County's population growing?
The population has grown 3.22 percent since the 2020 census base of 14,144, to 14,600 on July 1, 2024. In 2024 there were 135 births against 142 deaths, with net migration of 83. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Atoka County?
$54,785. The median owner-occupied home is valued at $157,600, which is 2.9 times income, and median gross rent is $708 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Atoka County?
259 establishments, employing 2,135 people with an annual payroll of $69.8 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 Atoka County?
Retail trade is the largest private sector at 523 jobs, 15.2 percent of covered employment. Covered employment averages 3,450 jobs at an average annual pay of $40,305, or $775 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Atoka County?
6 7(a) approvals totaling $7.1 m since FY2020, across 3 lenders, with a median approval of $485,000, plus 2 504 approvals worth $271,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Atoka County?
35 housing units were authorized by permit in 2024, with a declared construction value of $10.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Atoka County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Atoka County come from?
The largest single origin is Bryan County, with 74 households. Arriving households report an average income of $49,129 against $32,201 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Atoka 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 Atoka 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.
Atoka County
Cities and places in Atoka.
7 Census places lie wholly or partly in Atoka County. All 7 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 |
|---|---|---|---|---|
| Atoka | city | 2,894 | 6 | Wholly in this county |
| Tushka | town | 559 | None recorded | Wholly in this county |
| Stringtown | town | 409 | None recorded | Wholly in this county |
| Lane | CDP | 348 | None recorded | Wholly in this county |
| Caney | town | 139 | None recorded | Wholly in this county |
| Wardville | CDP | 51 | None recorded | Wholly in this county |
| Bentley | CDP | 18 | None recorded | Wholly in this county |
Nearby