HomeOklahomaDelaware CountyJay
Jay, Oklahoma: commercial real estate data.
Jay 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 since FY2020.
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$2,545,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Jay, in any county, FY2020 to FY2026. Only 3 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.
Jay
Flood risk in Jay
- NFIP communityCity of Jay
- NFIP community number400057
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/13/19
The City of Jay participates in the National Flood Insurance Program as community 400057 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 Jay
Delaware County context, not Jay 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 Jay.
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
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 totaling $18.2 m since FY2020, across 3 lenders, median approval $2,545,000. 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 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 Jay in the National Flood Insurance Program?
Yes. Jay appears in the FEMA Community Status Book as Jay, city of, community 400057, 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 Jay 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 Jay.
Is zoning published for Jay?
No. Nothing on this page presents parcel level zoning.
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