Cleveland County, Oklahoma: commercial real estate data.
Cleveland County, Oklahoma had an estimated 303,952 residents on July 1, 2024, up 2.8 percent since the 2020 census base of 295,533, across 539 square miles. County output reached $12.45 bn in 2024, 6,169 establishments operate here, and the SBA record carries 241 7(a) approvals worth $110.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cleveland County
How many people live in Cleveland County
- Population, American Community Survey 2020-2024300,047
- Households116,799
- Average household size2.57
- Median household income$77,068
- Median age35.4
- Median gross rent$1,167 per month
- Median owner-occupied home value$235,700
- Home value to household income3.1 times
- Annual rent as a share of median income18.2 percent
- Adults 25 and over with a bachelor degree or higher36.2 percent
- Adults 25 and over with a graduate degree14.8 percent
- Adults 25 and over193,725
- Population under 1861,275
- Share under 1820.4 percent
- Population 65 and over44,737
- Share 65 and over14.9 percent
- Working age population, 18 to 64194,035
- Civilian labor force157,031
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over65.8 percent
- Rank by population among Oklahoma counties3rd of 77
- Rank by population among US county-equivalents, Puerto Rico included242nd of 3,222
Cleveland County is the 3rd largest of 77 Oklahoma counties by population. A median home costs 3.1 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 20.4 percent against 14.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cleveland County
Is Cleveland County's population growing?
- Population, July 1, 2024303,952
- Census 2020 base population295,533
- Population change since the 2020 census base2.85 percent
- Population change, 2023 to 20242,039
- Births, 20242,740
- Deaths, 20242,339
- Natural change, 2024401
- Net domestic migration, 2024288
- Net international migration, 20241,334
- Total net migration, 20241,622
- Cumulative net domestic migration, 2021 to 20243,279
- Rank by growth among US county-equivalents913th of 3,144
The county has grown 2.85 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cleveland County
Where are people moving to Cleveland County from?
- Tax returns filed by households arriving9,739
- People arriving, from those returns17,591
- Tax returns filed by households leaving9,721
- Net household movement18
- Adjusted gross income arriving$529.0 m
- Net adjusted gross income movement$-28.2 m
- Average income of an arriving household$54,318
- Average income of a leaving household$57,319
- Largest single originOklahoma County (3,606 households)
- Largest single destinationOklahoma County (3,497 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oklahoma County | 3,606 | 6,571 | $172.9 m |
| McClain County | 436 | 832 | $23.4 m |
| Canadian County | 401 | 754 | $22.2 m |
| Tulsa County | 261 | 423 | $12.7 m |
| Pottawatomie County | 210 | 427 | $8.9 m |
| Grady County | 174 | 323 | $10.3 m |
| Comanche County | 128 | 229 | $5.8 m |
| Tarrant County | 106 | 182 | $7.3 m |
Households arriving report $3,001 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Oklahoma 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.
Cleveland County
What is the Cleveland County economy?
- County GDP, 2024$12.45 bn
- County GDP, 2023$12.15 bn
- GDP change, 2023 to 20242.5 percent
- GDP change over five years33.2 percent
- Rank by GDP among the Oklahoma areas BEA publishes3rd of 77
- Rank by GDP among the US county areas BEA publishes374th of 3,127
- GDP per resident$41,504
Output grew 2.5 percent in the latest year and 33.2 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.
Cleveland County
Employment by industry in Cleveland County
- Covered employment, annual average91,353
- Establishments reporting7,371
- Average annual pay$51,153
- Average weekly wage$984
- Accommodation and food services, employment12,874
- Accommodation and food services, average annual pay$23,145
- Retail trade, employment11,822
- Retail trade, average annual pay$33,916
- Health care and social assistance, employment9,226
- Health care and social assistance, average annual pay$46,782
- Construction, employment5,066
- Construction, average annual pay$63,264
- Administrative and support and waste management services, employment4,607
- Professional, scientific and technical services, employment4,386
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 12,874 | 572 | $23,145 |
| Retail trade | 11,822 | 731 | $33,916 |
| Health care and social assistance | 9,226 | 899 | $46,782 |
| Construction | 5,066 | 728 | $63,264 |
| Administrative and support and waste management services | 4,607 | 504 | $45,236 |
| Professional, scientific and technical services | 4,386 | 1,241 | $73,268 |
| Manufacturing | 3,982 | 171 | $62,793 |
| Transportation and warehousing | 3,964 | 121 | $42,892 |
Accommodation and food services is the largest private sector at 12,874 jobs, 14.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cleveland County
How many businesses are in Cleveland County?
- Establishments, all industries6,169
- Employment at those establishments78,352
- Annual payroll$3.53 bn
- Establishments per 1,000 residents20.6
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.
Cleveland County
Building permits in Cleveland County
- Housing units authorized by permit, 2024585
- Declared construction value permitted$224.8 m
- Single family units authorized567
- Multifamily units authorized18
- Multifamily share of units3.1 percent
- Average declared value per unit$384,275
- Units authorized per 1,000 households5.0
Single-family homes are 96.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Cleveland County
SBA loans in Cleveland County (7(a) and 504)
- 7(a) approvals recorded241
- 7(a) gross approval dollars$110.9 m
- Average 7(a) approval$460,343
- Median 7(a) approval$234,900
- 10th percentile approval$50,000
- 90th percentile approval$1,035,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,097
- Jobs per approval12.9
- Distinct 7(a) lenders active58
- Distinct industries receiving approvals115
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.6 percent
- Loans on real estate terms28
- Loans on working capital terms, 120 months or shorter197
- Franchise loans39
- Franchise share of approvals16.2 percent
- Most active lenderBancFirst (86)
- 504 approvals recorded46
- 504 gross approval dollars$30.4 m
- Average 504 approval$660,717
- Median 504 approval$489,500
- Distinct CDCs active5
- 504 jobs per approval12.5
- 504 jobs per million dollars approved18.9
- Most active CDCRural Enterprises of Oklahoma, Inc. (28)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$141.3 m
The average approval of $460,343 sits well above the median of $234,900, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Cleveland County
SBA loan default and charge-off rates in Cleveland County
Do SBA loans in Cleveland County get paid back?
- Loans with a final outcome recorded58
- Paid in full54
- Charged off4
- Charge-off rate on resolved loans6.9 percent
- Status: Paid in full54
- Status: Exempt from disclosure145
- Status: Charged off4
- Status: Cancelled23
- Status: Committed, not yet disbursed15
Of the 58 loans that have reached a final outcome, 6.9 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Cleveland County
SBA lending by place in Cleveland County
- Borrower cities with recorded lending7
- Norman, approvals127
- Oklahoma City, approvals67
- Moore, approvals37
- Noble, approvals4
- Newalla, approvals4
- Goldsby, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Norman | 127 | $52,168,100 |
| Oklahoma City | 67 | $31,164,600 |
| Moore | 37 | $20,512,000 |
| Noble | 4 | $1,412,900 |
| Newalla | 4 | $635,000 |
| Goldsby | 1 | $5,000,000 |
| Lexington | 1 | $50,000 |
Norman accounts for 127 approvals against 67 in Oklahoma City. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cleveland County
How large is Cleveland County?
- Land area539 sq mi
- Rank by land area among Oklahoma counties70th of 77
- Width, east to west29.9 mi
- Height, north to south31 mi
- Geographies sharing a boundary4
- Residents per square mile of land557
- Establishments per square mile11.45
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.
Cleveland County
Flood risk in Cleveland County
- Participation of the county's own NFIP community Cleveland County, unincorporated areasParticipating, community 400475
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP8
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 6
- Communities carrying a CRS class2
- Radon levels in Cleveland 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 Cleveland County (community 400475), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cleveland 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. The best Community Rating System class among the county's communities is 6, which carries a flood insurance premium discount for policies written in that community. 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 Cleveland 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 Cleveland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024300,047
- Households116,799
- Average household size2.57
- Median household income$77,068
- Median age35.4
Common questions
Cleveland County questions, answered from the record.
How many people live in Cleveland County, Oklahoma?
The Census Bureau estimates 303,952 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 300,047, in 116,799 households, ranking 3rd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cleveland County's population growing?
The population has grown 2.85 percent since the 2020 census base of 295,533, to 303,952 on July 1, 2024. In 2024 there were 2,740 births against 2,339 deaths, with net migration of 1,622. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cleveland County?
$77,068. The median owner-occupied home is valued at $235,700, which is 3.1 times income, and median gross rent is $1,167 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cleveland County?
6,169 establishments, employing 78,352 people with an annual payroll of $3.53 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Cleveland County?
Accommodation and food services is the largest private sector at 12,874 jobs, 14.1 percent of covered employment. Covered employment averages 91,353 jobs at an average annual pay of $51,153, or $984 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cleveland County?
241 7(a) approvals totaling $110.9 m since FY2020, across 58 lenders, with a median approval of $234,900, plus 46 504 approvals worth $30.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cleveland County get paid back?
Of the 58 loans that have reached a final outcome, 54 were paid in full and 4 charged off, a charge-off rate of 6.9 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Cleveland County?
585 housing units were authorized by permit in 2024, with a declared construction value of $224.8 m. Multifamily was 3.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cleveland 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 Cleveland County come from?
The largest single origin is Oklahoma County, with 3,606 households. Arriving households report an average income of $54,318 against $57,319 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cleveland 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 Cleveland 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.
Cleveland County
Cities and places in Cleveland.
7 Census places lie wholly or partly in Cleveland 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 |
|---|---|---|---|---|
| Oklahoma City | city | 697,125 | 67 | 20.3 percent here, 57.9 percent Oklahoma County, 21.8 percent Canadian County |
| Norman | city | 129,672 | 127 | Wholly in this county |
| Moore | city | 63,420 | 37 | Wholly in this county |
| Noble | city | 7,493 | 4 | Wholly in this county |
| Slaughterville | town | 4,251 | None recorded | Wholly in this county |
| Lexington | city | 1,972 | 1 | Wholly in this county |
| Etowah | town | 138 | None recorded | Wholly in this county |
A further 5 of the county's 241 SBA 7(a) approvals are to borrowers in cities that match no Census place in Cleveland County, the largest being Newalla (4), Goldsby (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby