Delaware County, Oklahoma: commercial real estate data.
Delaware County, Oklahoma had an estimated 41,771 residents on July 1, 2024, up 3.4 percent since the 2020 census base of 40,395, across 738 square miles. County output reached $1.34 bn in 2024, 825 establishments operate here, and the SBA record carries 35 7(a) approvals worth $40.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Delaware County
How many people live in Delaware County
- Population, American Community Survey 2020-202441,279
- Households17,161
- Average household size2.41
- Median household income$56,676
- Median age46.9
- Median gross rent$913 per month
- Median owner-occupied home value$175,300
- Home value to household income3.1 times
- Annual rent as a share of median income19.3 percent
- Adults 25 and over with a bachelor degree or higher19.9 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over30,282
- Population under 188,170
- Share under 1819.8 percent
- Population 65 and over10,601
- Share 65 and over25.7 percent
- Working age population, 18 to 6422,508
- Civilian labor force16,961
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over51.2 percent
- Rank by population among Oklahoma counties25th of 77
- Rank by population among US county-equivalents, Puerto Rico included1182nd of 3,222
Delaware County is the 25th 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 65 and over outnumber those under 18, at 25.7 percent against 19.8 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Delaware County
Is Delaware County's population growing?
- Population, July 1, 202441,771
- Census 2020 base population40,395
- Population change since the 2020 census base3.41 percent
- Population change, 2023 to 2024-4
- Births, 2024453
- Deaths, 2024660
- Natural change, 2024-207
- Net domestic migration, 2024189
- Net international migration, 202415
- Total net migration, 2024204
- Cumulative net domestic migration, 2021 to 20242,432
- Rank by growth among US county-equivalents792nd of 3,144
The county has grown 3.41 percent since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Delaware County
Where are people moving to Delaware County from?
- Tax returns filed by households arriving1,391
- People arriving, from those returns2,772
- Tax returns filed by households leaving1,145
- Net household movement246
- Adjusted gross income arriving$107.6 m
- Net adjusted gross income movement$44.2 m
- Average income of an arriving household$77,349
- Average income of a leaving household$55,374
- Largest single originBenton County (186 households)
- Largest single destinationBenton County (126 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Benton County | 186 | 383 | $8.6 m |
| Ottawa County | 120 | 232 | $5.5 m |
| Tulsa County | 90 | 169 | $10.0 m |
| Mayes County | 70 | 141 | $3.9 m |
| Adair County | 37 | 76 | $1.5 m |
| Jasper County | 35 | 68 | $2.9 m |
| Rogers County | 34 | 62 | $3.2 m |
| Washington County | 31 | 66 | $1.2 m |
Households arriving report $21,975 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.
Delaware County
What is the Delaware County economy?
- County GDP, 2024$1.34 bn
- County GDP, 2023$1.29 bn
- GDP change, 2023 to 20243.2 percent
- GDP change over five years51.1 percent
- Rank by GDP among the Oklahoma areas BEA publishes35th of 77
- Rank by GDP among the US county areas BEA publishes1609th of 3,127
- GDP per resident$32,349
Output grew 3.2 percent in the latest year and 51.1 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.
Delaware County
Employment by industry in Delaware County
- Covered employment, annual average9,636
- Establishments reporting942
- Average annual pay$42,520
- Average weekly wage$818
- Health care and social assistance, employment1,639
- Health care and social assistance, average annual pay$43,399
- Retail trade, employment1,499
- Retail trade, average annual pay$29,820
- Accommodation and food services, employment1,007
- Accommodation and food services, average annual pay$19,594
- Construction, employment662
- Construction, average annual pay$63,309
- Manufacturing, employment605
- Administrative and support and waste management services, employment486
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 1,639 | 95 | $43,399 |
| Retail trade | 1,499 | 154 | $29,820 |
| Accommodation and food services | 1,007 | 76 | $19,594 |
| Construction | 662 | 106 | $63,309 |
| Manufacturing | 605 | 32 | $55,681 |
| Administrative and support and waste management services | 486 | 51 | $50,495 |
| Other services, except public administration | 339 | 58 | $33,704 |
| Finance and insurance | 270 | 61 | $58,598 |
Health care and social assistance is the largest private sector at 1,639 jobs, 17.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Delaware County
How many businesses are in Delaware County?
- Establishments, all industries825
- Employment at those establishments8,537
- Annual payroll$365.2 m
- Establishments per 1,000 residents20.0
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.
Delaware County
Building permits in Delaware County
- Housing units authorized by permit, 202456
- Declared construction value permitted$14.3 m
- Single family units authorized42
- Multifamily units authorized14
- Multifamily share of units25.0 percent
- Average declared value per unit$255,315
- Units authorized per 1,000 households3.3
Single-family homes are 75.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Delaware County
SBA loans in Delaware County (7(a) and 504)
- 7(a) approvals recorded35
- 7(a) gross approval dollars$40.0 m
- Average 7(a) approval$1,144,011
- Median 7(a) approval$500,000
- 10th percentile approval$84,820
- 90th percentile approval$3,083,500
- Largest single approval$4,800,000
- Jobs reported supported, 7(a)348
- Jobs per approval9.9
- Distinct 7(a) lenders active15
- Distinct industries receiving approvals25
- Median 7(a) term168 months
- Share of loans on real estate terms, 240 months or longer37.1 percent
- Loans on real estate terms13
- Loans on working capital terms, 120 months or shorter13
- Franchise loans2
- Franchise share of approvals5.7 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (7)
- Most active lenderArvest Bank (7)
- 504 approvals recorded1
- 504 gross approval dollars$235,000
- Average 504 approval$235,000
- Median 504 approval$235,000
- Distinct CDCs active1
- 504 jobs per approval6.0
- 504 jobs per million dollars approved25.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$40.3 m
The average approval of $1,144,011 sits well above the median of $500,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 37.1 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Delaware County
SBA loan default and charge-off rates in Delaware County
Do SBA loans in Delaware County get paid back?
- Loans with a final outcome recorded10
- Paid in full10
- Charged off0
- Status: Exempt from disclosure18
- Status: Paid in full10
- Status: Cancelled5
- Status: Committed, not yet disbursed2
Only 10 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.
Delaware County
SBA lending by place in Delaware County
- Borrower cities with recorded lending7
- Grove, approvals20
- Jay, approvals8
- Colcord, approvals3
- Bernice, approvals1
- Twin Oaks, approvals1
- Afton, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Grove | 20 | $16,124,300 |
| Jay | 8 | $18,219,700 |
| Colcord | 3 | $2,690,000 |
| Bernice | 1 | $2,020,000 |
| Twin Oaks | 1 | $508,000 |
| Afton | 1 | $403,700 |
| Kansas | 1 | $74,700 |
Grove accounts for 20 approvals against 8 in Jay. 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.
Delaware County
How large is Delaware County?
- Land area738 sq mi
- Rank by land area among Oklahoma counties47th of 77
- Width, east to west25 mi
- Height, north to south35.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land56
- Establishments per square mile1.12
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.
Delaware County
Flood risk in Delaware County
- Participation of the county's own NFIP community Delaware County, unincorporated areasParticipating, community 400502
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP5
- NFIP participation rate71.4 percent
- Communities carrying a CRS class0
- Radon levels in Delaware 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 Delaware County (community 400502), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Delaware 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. 71.4 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 Delaware 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 Delaware County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202441,279
- Households17,161
- Average household size2.41
- Median household income$56,676
- Median age46.9
Common questions
Delaware County questions, answered from the record.
How many people live in Delaware County, Oklahoma?
The Census Bureau estimates 41,771 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 41,279, in 17,161 households, ranking 25th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Delaware County's population growing?
The population has grown 3.41 percent since the 2020 census base of 40,395, to 41,771 on July 1, 2024. In 2024 there were 453 births against 660 deaths, with net migration of 204. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Delaware County?
$56,676. The median owner-occupied home is valued at $175,300, which is 3.1 times income, and median gross rent is $913 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Delaware County?
825 establishments, employing 8,537 people with an annual payroll of $365.2 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 Delaware County?
Health care and social assistance is the largest private sector at 1,639 jobs, 17.0 percent of covered employment. Covered employment averages 9,636 jobs at an average annual pay of $42,520, or $818 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Delaware County?
35 7(a) approvals totaling $40.0 m since FY2020, across 15 lenders, with a median approval of $500,000, plus 1 504 approvals worth $235,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Delaware County?
56 housing units were authorized by permit in 2024, with a declared construction value of $14.3 m. Multifamily was 25.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Delaware 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 Delaware County come from?
The largest single origin is Benton County, with 186 households. Arriving households report an average income of $77,349 against $55,374 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Delaware 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 Delaware 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.
Delaware County
Cities and places in Delaware.
34 Census places lie wholly or partly in Delaware County. 33 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Grove | city | 7,176 | 20 | Wholly in this county |
| Vinita | city | 5,300 | None recorded | 2.2 percent here, 97.8 percent Craig County |
| Jay | city | 2,731 | 8 | Wholly in this county |
| Cleora | CDP | 1,477 | None recorded | Wholly in this county |
| Copeland | CDP | 1,401 | None recorded | Wholly in this county |
| West Siloam Springs | town | 1,286 | None recorded | Wholly in this county |
| Kenwood | CDP | 1,284 | None recorded | 58.3 percent here, 41.7 percent Mayes County |
| Colcord | town | 910 | 3 | Wholly in this county |
| Kansas | town | 748 | 1 | Wholly in this county |
| Flint Creek | CDP | 627 | None recorded | Wholly in this county |
| Ketchum | town | 499 | None recorded | 6.2 percent here, 90.1 percent Craig County, 3.7 percent Mayes County |
| Bernice | town | 396 | 1 | Wholly in this county |
| Dennis | CDP | 396 | None recorded | Wholly in this county |
| Leach | CDP | 349 | None recorded | Wholly in this county |
| Oaks | town | 295 | None recorded | 96.3 percent here, 3.7 percent Cherokee County |
| Rocky Ford | CDP | 290 | None recorded | 35.0 percent here, 65.0 percent Cherokee County |
| Zena | CDP | 280 | None recorded | Wholly in this county |
| Twin Oaks | CDP | 278 | 1 | Wholly in this county |
| Cloud Creek | CDP | 266 | None recorded | Wholly in this county |
| Cayuga | CDP | 197 | None recorded | Wholly in this county |
| New Eucha | CDP | 185 | None recorded | Wholly in this county |
| Butler | CDP | 159 | None recorded | Wholly in this county |
| Bull Hollow | CDP | 118 | None recorded | Wholly in this county |
| Oak Hill-Piney | CDP | 109 | None recorded | Wholly in this county |
| Brush Creek | CDP | 101 | None recorded | Wholly in this county |
| Deer Lick | CDP | 85 | None recorded | Wholly in this county |
| Sycamore | CDP | 71 | None recorded | Wholly in this county |
| Drowning Creek | CDP | 70 | None recorded | Wholly in this county |
| White Water | CDP | 69 | None recorded | Wholly in this county |
| Dripping Springs | CDP | 54 | None recorded | Wholly in this county |
| Old Eucha | CDP | 30 | None recorded | Wholly in this county |
| Indianola | CDP | 17 | None recorded | Wholly in this county |
| Dodge | CDP | 9 | None recorded | Wholly in this county |
| Tagg Flats | CDP | 0 | None recorded | Wholly in this county |
A further 1 of the county's 35 SBA 7(a) approvals are to borrowers in cities that match no Census place in Delaware County, the largest being Afton (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.