HomeOklahomaDelaware CountyJay city
Jay city, Oklahoma: commercial real estate data.
Jay city is a Census city of 2,731 people across 3.33 square miles of land, in Delaware County. Median household income is $38,094, 61.3 percent of occupied homes are owned, and the SBA record carries 8 7(a) approvals to borrowers here worth $18.2 m.
66 sourced place values · tier FULL · 7 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Jay
What Jay is
- Census place typecity
- Land area3.33 sq mi
- Water area0 sq mi
- Population per square mile of land820
- 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.
Jay
How many people live in Jay
- Population2,731
- Median age34.6
- Population under 18693
- Share under 1825.4 percent
- Population 65 and over371 plus or minus 80
- Share 65 and over13.6 percent
- Households953
- Family households613
- Share of households that are families64.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
Income and work in Jay
- Median household income$38,094
- Per capita income$23,150 plus or minus $5,599
- Civilian labor force1,129
- Employed975 plus or minus 204
- Unemployed154 plus or minus 56
- Unemployment rate13.6 percent plus or minus 4.2
- Adults 25 and over1,710
- Adults 25 and over with a high school diploma or higher76.5 percent plus or minus 15.8
- Adults 25 and over with a bachelor degree or higher11.3 percent plus or minus 4.3
- Adults 25 and over with a graduate degree3.0 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
Housing in Jay
- Housing units1,109
- Occupied units953
- Vacant units156 plus or minus 38
- Vacancy rate14.1 percent plus or minus 3.1
- Owner occupied584
- Renter occupied369 plus or minus 75
- Ownership rate61.3 percent
- Median owner-occupied home value$107,900
- Median gross rent, monthly$765
- Annual rent as a share of median income24.1 percent plus or minus 5.0
- Single family units828
- Share single family74.7 percent
- Units in buildings of two or more178 plus or minus 51
- Share in buildings of two or more16.1 percent plus or minus 4.3
- Mobile homes96 plus or minus 41
- Median year structure built1976
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
How Jay gets to work
- Workers 16 and over who commute912 plus or minus 189
- Commuting under 15 minutes312 plus or minus 88
- Share commuting under 15 minutes34.2 percent
- Commuting 30 minutes or more442 plus or minus 106
- Share commuting 30 minutes or more48.5 percent
- Drove alone80.6 percent plus or minus 23.5
- Carpooled7.4 percent plus or minus 4.7
- Public transport0.0 percent
- Walked5.5 percent plus or minus 4.2
- Worked from home5.2 percent plus or minus 3.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Jay
SBA loans in Jay (7(a))
- Approvals8
- Gross approval$18,219,700
- Average approval$2,277,463
- Median approval$2,560,000
- Ninetieth percentile approval$3,866,500
- Largest approval$3,866,500
- Jobs supported72
- Jobs per approval9.0
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term180 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Delaware County, not Jay
Delaware County context, not Jay figures
These are Delaware County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Jay measurements.
- Establishments in Delaware County825
- Employment at those establishments, Delaware County8,537
- Covered employment, Delaware County9,636
- Average annual pay, Delaware County$42,520
- Average weekly wage, Delaware County$818
- Housing units permitted, Delaware County56
- Of those, single family, Delaware County42
- County product, 2024, Delaware County$1,335,330,000
- County product change over the prior year, Delaware County3.2 percent
- Average income of an arriving household, Delaware County$77,349
Every figure in this section is published for Delaware County as a whole and is not a measurement of Jay. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Jay questions, answered from the record.
How many people live in Jay, Oklahoma?
2,731, in 953 households. Jay city covers 3.33 square miles of land, which is 820 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Jay 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 Jay?
$38,094. The median owner-occupied home is valued at $107,900. Median gross rent is $765 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Jay businesses?
8 7(a) approvals totalling $18.2 m, across 3 lenders, median approval $2,560,000. These count approvals to borrowers whose address is in Jay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Jay borrowers get paid back?
No rate is published for Jay. only 3 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Jay figures?
No, and they are labelled 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 Jay.
Is zoning published for Jay?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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