HomeOklahomaDelaware CountyBernice
Bernice, Oklahoma: commercial real estate data.
Bernice is a Census town of 396 people across 0.82 square miles of land, in Delaware County. Median household income is $40,833, 89.2 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $2.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bernice
What Bernice is
- Census place typetown
- Land area0.82 sq mi
- Water area0.59 sq mi
- Population per square mile of land486
- County holding the largest share of its areaDelaware County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bernice
How many people live in Bernice
- Population396
- Median age57.8
- Population under 1872 plus or minus 29
- Share under 1818.2 percent plus or minus 6.5
- Population 65 and over127 plus or minus 28
- Share 65 and over32.1 percent
- Households186
- Family households106 plus or minus 25
- Share of households that are families57.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bernice
Income and work in Bernice
- Median household income$40,833 plus or minus $11,190
- Per capita income$24,527
- Civilian labor force142 plus or minus 39
- Employed136 plus or minus 40
- Unemployed6 plus or minus 6
- Unemployment rate4.2 percent plus or minus 4.1
- Adults 25 and over306
- Adults 25 and over with a high school diploma or higher80.7 percent
- Adults 25 and over with a bachelor degree or higher12.7 percent plus or minus 4.6
- Adults 25 and over with a graduate degree5.6 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bernice
Housing in Bernice
- Housing units315
- Occupied units186
- Vacant units129
- Vacancy rate41.0 percent
- Owner occupied166
- Renter occupied20 plus or minus 11
- Ownership rate89.2 percent
- Median owner-occupied home value$116,700
- Median gross rent, monthly$742 plus or minus $206
- Annual rent as a share of median income21.8 percent plus or minus 8.5
- Single family units191
- Share single family60.6 percent
- Units in buildings of two or more0
- Share in buildings of two or more0.0 percent
- Mobile homes119 plus or minus 26
- Median year structure built1980
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bernice
How Bernice gets to work
- Workers 16 and over who commute124 plus or minus 36
- Commuting under 15 minutes26 plus or minus 18
- Share commuting under 15 minutes21.0 percent plus or minus 13.0
- Commuting 30 minutes or more45 plus or minus 25
- Share commuting 30 minutes or more36.3 percent plus or minus 17.0
- Drove alone72.3 percent
- Carpooled14.6 percent plus or minus 10.7
- Public transport0.0 percent
- Walked8.5 percent plus or minus 7.3
- Worked from home4.6 percent plus or minus 5.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bernice
SBA loans in Bernice (7(a))
- Approvals1
- Gross approval$2,020,000
- Average approval$2,020,000
- Median approval$2,020,000
- Largest approval$2,020,000
- Jobs supported9
- Jobs per approval9.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term252 months
- Share on real estate terms of 20 years or more100.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Bernice, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bernice
Flood risk in Bernice
- NFIP communityTown of Bernice
- NFIP community number400559
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/13/19
The Town of Bernice participates in the National Flood Insurance Program as community 400559 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Delaware County, not Bernice
Delaware County context, not Bernice figures
- Establishments in Delaware County825
- Covered employment, Delaware County9,636
- Average annual pay, Delaware County$42,520
- Housing units permitted, Delaware County56
Every figure in this section is published for Delaware County as a whole and is not a measurement of Bernice.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, 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 →
Common questions
Bernice questions, answered from the record.
How many people live in Bernice, Oklahoma?
396, in 186 households. Bernice town covers 0.82 square miles of land, which is 486 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bernice in?
Delaware County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Bernice?
$40,833. The median owner-occupied home is valued at $116,700. Median gross rent is $742 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bernice businesses?
1 7(a) approvals totaling $2.0 m since FY2020, across 1 lenders, median approval $2,020,000. These count approvals to borrowers whose address is in Bernice, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bernice borrowers get paid back?
No rate is published for Bernice. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Bernice in the National Flood Insurance Program?
Yes. Bernice appears in the FEMA Community Status Book as Bernice, town of, community 400559, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Bernice figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Delaware County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Bernice.
Is zoning published for Bernice?
No. Nothing on this page presents parcel level zoning.
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