Craig County, Oklahoma: commercial real estate data.
Craig County, Oklahoma had an estimated 14,506 residents on July 1, 2024, up 2.8 percent since the 2020 census base of 14,107, across 761 square miles. County output reached $589.2 m in 2024, 340 establishments operate here, and the SBA record carries 9 7(a) approvals worth $9.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Craig County
How many people live in Craig County
- Population, American Community Survey 2020-202414,302
- Households5,190
- Average household size2.76
- Median household income$51,922
- Median age40.6
- Median gross rent$810 per month
- Median owner-occupied home value$150,500
- Home value to household income2.9 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher15.3 percent
- Adults 25 and over with a graduate degree4.2 percent
- Adults 25 and over9,951
- Population under 183,253
- Share under 1822.7 percent
- Population 65 and over2,721
- Share 65 and over19.0 percent
- Working age population, 18 to 648,328
- Civilian labor force5,714
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over51.7 percent
- Rank by population among Oklahoma counties47th of 77
- Rank by population among US county-equivalents, Puerto Rico included2201st of 3,222
Craig County is the 47th 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 22.7 percent against 19.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Craig County
Is Craig County's population growing?
- Population, July 1, 202414,506
- Census 2020 base population14,107
- Population change since the 2020 census base2.83 percent
- Population change, 2023 to 202430
- Births, 2024165
- Deaths, 2024217
- Natural change, 2024-52
- Net domestic migration, 202441
- Net international migration, 202440
- Total net migration, 202481
- Cumulative net domestic migration, 2021 to 2024527
- Rank by growth among US county-equivalents916th of 3,144
The county has grown 2.83 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.
Craig County
Where are people moving to Craig County from?
- Tax returns filed by households arriving395
- People arriving, from those returns829
- Tax returns filed by households leaving371
- Net household movement24
- Adjusted gross income arriving$17.8 m
- Net adjusted gross income movement$1.2 m
- Average income of an arriving household$45,114
- Average income of a leaving household$44,687
- Largest single originOttawa County (65 households)
- Largest single destinationOttawa County (55 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ottawa County | 65 | 140 | $2.1 m |
| Mayes County | 36 | 80 | $1.5 m |
| Rogers County | 35 | 77 | $1.5 m |
| Delaware County | 31 | 50 | $1.2 m |
| Tulsa County | 29 | 64 | $1.5 m |
Households arriving report $427 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 Ottawa 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.
Craig County
What is the Craig County economy?
- County GDP, 2024$589.2 m
- County GDP, 2023$581.1 m
- GDP change, 2023 to 20241.4 percent
- GDP change over five years25.4 percent
- Rank by GDP among the Oklahoma areas BEA publishes54th of 77
- Rank by GDP among the US county areas BEA publishes2288th of 3,127
- GDP per resident$41,198
Output grew 1.4 percent in the latest year and 25.4 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.
Craig County
Employment by industry in Craig County
- Covered employment, annual average4,998
- Establishments reporting432
- Average annual pay$45,540
- Average weekly wage$876
- Retail trade, employment654
- Retail trade, average annual pay$33,085
- Wholesale trade, employment230
- Wholesale trade, average annual pay$54,773
- Finance and insurance, employment171
- Finance and insurance, average annual pay$62,540
- Utilities, employment167
- Utilities, average annual pay$87,059
- Manufacturing, employment160
- Transportation and warehousing, employment151
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 654 | 64 | $33,085 |
| Wholesale trade | 230 | 23 | $54,773 |
| Finance and insurance | 171 | 26 | $62,540 |
| Utilities | 167 | 5 | $87,059 |
| Manufacturing | 160 | 12 | $45,163 |
| Transportation and warehousing | 151 | 19 | $60,833 |
| Other services, except public administration | 118 | 25 | $46,974 |
| Construction | 90 | 28 | $51,808 |
Retail trade is the largest private sector at 654 jobs, 13.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Craig County
How many businesses are in Craig County?
- Establishments, all industries340
- Employment at those establishments3,973
- Annual payroll$166.8 m
- Establishments per 1,000 residents23.8
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.
Craig County
Building permits in Craig County
- Housing units authorized by permit, 202411
- Declared construction value permitted$3.3 m
- Single family units authorized11
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorized per 1,000 households2.1
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.
Craig County
SBA loans in Craig County (7(a) and 504)
- 7(a) approvals recorded9
- 7(a) gross approval dollars$9.3 m
- Average 7(a) approval$1,035,400
- Median 7(a) approval$566,700
- Largest single approval$4,143,000
- Jobs reported supported, 7(a)38
- Jobs per approval4.2
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals7
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter4
- Franchise loans1
- Franchise share of approvals11.1 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (3)
- 504 approvals recorded1
- 504 gross approval dollars$126,000
- Average 504 approval$126,000
- Median 504 approval$126,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved7.9
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$9.4 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.
Craig County
SBA loan default and charge-off rates in Craig County
Do SBA loans in Craig County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure5
- Status: Cancelled1
Only 3 loans have 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.
Craig County
SBA lending by place in Craig County
- Borrower cities with recorded lending4
- Vinita, approvals6
- Welch, approvals1
- Big Cabin, approvals1
- Ketchum, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Vinita | 6 | $6,746,400 |
| Welch | 1 | $1,370,000 |
| Big Cabin | 1 | $1,062,000 |
| Ketchum | 1 | $140,200 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Craig County
How large is Craig County?
- Land area761 sq mi
- Rank by land area among Oklahoma counties43rd of 77
- Width, east to west23.9 mi
- Height, north to south33.8 mi
- Geographies sharing a boundary7
- Residents per square mile of land19
- Establishments per square mile0.45
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.
Craig County
Flood risk in Craig County
- Participation of the county's own NFIP community Craig County, unincorporated areasParticipating, community 400540
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP4
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
- Radon levels in Craig 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 Craig County (community 400540), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Craig 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. 66.7 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 Craig 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 Craig County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202414,302
- Households5,190
- Average household size2.76
- Median household income$51,922
- Median age40.6
Common questions
Craig County questions, answered from the record.
How many people live in Craig County, Oklahoma?
The Census Bureau estimates 14,506 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 14,302, in 5,190 households, ranking 47th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Craig County's population growing?
The population has grown 2.83 percent since the 2020 census base of 14,107, to 14,506 on July 1, 2024. In 2024 there were 165 births against 217 deaths, with net migration of 81. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Craig County?
$51,922. The median owner-occupied home is valued at $150,500, which is 2.9 times income, and median gross rent is $810 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Craig County?
340 establishments, employing 3,973 people with an annual payroll of $166.8 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 Craig County?
Retail trade is the largest private sector at 654 jobs, 13.1 percent of covered employment. Covered employment averages 4,998 jobs at an average annual pay of $45,540, or $876 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Craig County?
9 7(a) approvals totaling $9.3 m since FY2020, across 7 lenders, with a median approval of $566,700, plus 1 504 approvals worth $126,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Craig County?
11 housing units were authorized by permit in 2024, with a declared construction value of $3.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Craig 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 Craig County come from?
The largest single origin is Ottawa County, with 65 households. Arriving households report an average income of $45,114 against $44,687 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Craig 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 Craig 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.
Craig County
Cities and places in Craig.
6 Census places lie wholly or partly in Craig County. All 6 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 |
|---|---|---|---|---|
| Vinita | city | 5,300 | 6 | 97.8 percent here, 2.2 percent Delaware County |
| Welch | town | 661 | 1 | Wholly in this county |
| Ketchum | town | 499 | 1 | 90.1 percent here, 6.2 percent Delaware County, 3.7 percent Mayes County |
| White Oak | CDP | 242 | None recorded | Wholly in this county |
| Bluejacket | town | 237 | None recorded | Wholly in this county |
| Big Cabin | town | 195 | 1 | Wholly in this county |