Garfield County, Oklahoma: commercial real estate data.
Garfield County, Oklahoma had an estimated 62,007 residents on July 1, 2024, down 1.3 percent since the 2020 census base of 62,845, across 1,058 square miles. County output reached $3.90 bn in 2024, 1,532 establishments operate here, and the SBA record carries 44 7(a) approvals worth $38.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Garfield County
How many people live in Garfield County
- Population, American Community Survey 2020-202462,146
- Households23,893
- Average household size2.60
- Median household income$66,182
- Median age36.0
- Median gross rent$919 per month
- Median owner-occupied home value$160,100
- Home value to household income2.4 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher23.3 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over40,402
- Population under 1816,105
- Share under 1825.9 percent
- Population 65 and over10,406
- Share 65 and over16.7 percent
- Working age population, 18 to 6435,635
- Civilian labor force29,743
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over64.6 percent
- Rank by population among Oklahoma counties12th of 77
- Rank by population among US county-equivalents, Puerto Rico included874th of 3,222
Garfield County is the 12th largest of 77 Oklahoma counties by population. A median home costs 2.4 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.9 percent against 16.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garfield County
Is Garfield County's population growing?
- Population, July 1, 202462,007
- Census 2020 base population62,845
- Population change since the 2020 census base-1.33 percent
- Population change, 2023 to 2024-48
- Births, 2024837
- Deaths, 2024743
- Natural change, 202494
- Net domestic migration, 2024-288
- Net international migration, 2024149
- Total net migration, 2024-139
- Cumulative net domestic migration, 2021 to 2024-1,112
- Rank by growth among US county-equivalents2304th of 3,144
The county has lost 1.33 percent of its population since the 2020 census base. More people left than moved in during 2024 and births over deaths did not make up the difference, so the population fell.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Garfield County
Where are people moving to Garfield County from?
- Tax returns filed by households arriving1,550
- People arriving, from those returns3,011
- Tax returns filed by households leaving1,602
- Net household movement-52
- Adjusted gross income arriving$76.5 m
- Net adjusted gross income movement$-8.3 m
- Average income of an arriving household$49,372
- Average income of a leaving household$52,924
- Largest single originOklahoma County (116 households)
- Largest single destinationOklahoma County (176 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oklahoma County | 116 | 209 | $6.4 m |
| El Paso County | 56 | 95 | $2.5 m |
| Major County | 49 | 99 | $1.8 m |
| Grant County | 36 | 63 | $2.0 m |
| Payne County | 35 | 65 | $1.4 m |
| Cleveland County | 32 | 55 | $1.7 m |
| Kingfisher County | 32 | 76 | $1.3 m |
| Tulsa County | 27 | 53 | $1.2 m |
Households arriving report $3,552 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Oklahoma 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.
Garfield County
What is the Garfield County economy?
- County GDP, 2024$3.90 bn
- County GDP, 2023$3.84 bn
- GDP change, 2023 to 20241.4 percent
- GDP change over five years42.4 percent
- Rank by GDP among the Oklahoma areas BEA publishes10th of 77
- Rank by GDP among the US county areas BEA publishes823rd of 3,127
- GDP per resident$62,684
Output grew 1.4 percent in the latest year and 42.4 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.
Garfield County
Employment by industry in Garfield County
- Covered employment, annual average23,271
- Establishments reporting1,757
- Average annual pay$50,343
- Average weekly wage$968
- Health care and social assistance, employment3,284
- Health care and social assistance, average annual pay$51,696
- Retail trade, employment3,018
- Retail trade, average annual pay$34,600
- Manufacturing, employment2,514
- Manufacturing, average annual pay$57,843
- Accommodation and food services, employment2,227
- Accommodation and food services, average annual pay$19,708
- Administrative and support and waste management services, employment1,664
- Professional, scientific and technical services, employment1,200
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,284 | 204 | $51,696 |
| Retail trade | 3,018 | 250 | $34,600 |
| Manufacturing | 2,514 | 52 | $57,843 |
| Accommodation and food services | 2,227 | 124 | $19,708 |
| Administrative and support and waste management services | 1,664 | 89 | $49,340 |
| Professional, scientific and technical services | 1,200 | 180 | $71,545 |
| Construction | 1,038 | 156 | $58,397 |
| Wholesale trade | 876 | 102 | $72,759 |
Health care and social assistance is the largest private sector at 3,284 jobs, 14.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Garfield County
How many businesses are in Garfield County?
- Establishments, all industries1,532
- Employment at those establishments20,094
- Annual payroll$920.5 m
- Establishments per 1,000 residents24.7
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.
Garfield County
Building permits in Garfield County
- Housing units authorized by permit, 202419
- Declared construction value permitted$3.0 m
- Single family units authorized9
- Multifamily units authorized10
- Multifamily share of units52.6 percent
- Average declared value per unit$157,105
- Units authorized per 1,000 households0.8
Multifamily is 52.6 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Garfield County
SBA loans in Garfield County (7(a) and 504)
- 7(a) approvals recorded44
- 7(a) gross approval dollars$38.9 m
- Average 7(a) approval$883,225
- Median 7(a) approval$350,000
- 10th percentile approval$53,600
- 90th percentile approval$3,233,020
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)908
- Jobs per approval20.6
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals26
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.9 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter33
- Franchise loans4
- Franchise share of approvals9.1 percent
- Leading industry by approval countInsurance Agencies and Brokerages (5)
- Most active lenderCowboy Bank (10)
- 504 approvals recorded10
- 504 gross approval dollars$7.2 m
- Average 504 approval$715,400
- Median 504 approval$369,000
- Distinct CDCs active3
- 504 jobs per approval5.0
- 504 jobs per million dollars approved7.0
- Most active CDCRural Enterprises of Oklahoma, Inc. (7)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$46.0 m
The average approval of $883,225 sits well above the median of $350,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 15.9 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Garfield County
SBA loan default and charge-off rates in Garfield County
Do SBA loans in Garfield County get paid back?
- Loans with a final outcome recorded13
- Paid in full11
- Charged off2
- Status: Paid in full11
- Status: Exempt from disclosure18
- Status: Cancelled9
- Status: Charged off2
- Status: Committed, not yet disbursed4
Only 13 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.
Garfield County
SBA lending by place in Garfield County
- Borrower cities with recorded lending4
- Enid, approvals37
- Lahoma, approvals3
- Drummond, approvals2
- Waukomis, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Enid | 37 | $35,327,700 |
| Lahoma | 3 | $299,200 |
| Drummond | 2 | $1,869,000 |
| Waukomis | 2 | $1,366,000 |
Enid accounts for 37 approvals against 3 in Lahoma. 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.
Garfield County
How large is Garfield County?
- Land area1,058 sq mi
- Rank by land area among Oklahoma counties16th of 77
- Width, east to west35.8 mi
- Height, north to south29.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land59
- Establishments per square mile1.45
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.
Garfield County
Flood risk in Garfield County
- Participation of the county's own NFIP community Garfield County, unincorporated areasParticipating, community 400473
- Communities in the county in the NFIP Community Status Book11
- Of those, participating in the NFIP9
- NFIP participation rate81.8 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 9
- Communities carrying a CRS class1
- Radon levels in Garfield 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 Garfield County (community 400473), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Garfield 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. The best Community Rating System class among the county's communities is 9, which carries a flood insurance premium discount for policies written in that community. 81.8 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 Garfield 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 Garfield County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202462,146
- Households23,893
- Average household size2.60
- Median household income$66,182
- Median age36.0
Common questions
Garfield County questions, answered from the record.
How many people live in Garfield County, Oklahoma?
The Census Bureau estimates 62,007 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 62,146, in 23,893 households, ranking 12th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garfield County's population growing?
The population has fallen 1.33 percent since the 2020 census base of 62,845, to 62,007 on July 1, 2024. In 2024 there were 837 births against 743 deaths, with net migration of -139. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garfield County?
$66,182. The median owner-occupied home is valued at $160,100, which is 2.4 times income, and median gross rent is $919 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Garfield County?
1,532 establishments, employing 20,094 people with an annual payroll of $920.5 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 Garfield County?
Health care and social assistance is the largest private sector at 3,284 jobs, 14.1 percent of covered employment. Covered employment averages 23,271 jobs at an average annual pay of $50,343, or $968 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garfield County?
44 7(a) approvals totaling $38.9 m since FY2020, across 21 lenders, with a median approval of $350,000, plus 10 504 approvals worth $7.2 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Garfield County?
19 housing units were authorized by permit in 2024, with a declared construction value of $3.0 m. Multifamily was 52.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garfield 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 Garfield County come from?
The largest single origin is Oklahoma County, with 116 households. Arriving households report an average income of $49,372 against $52,924 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Garfield 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 Garfield 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.
Garfield County
Cities and places in Garfield.
15 Census places lie wholly or partly in Garfield County. All 15 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 |
|---|---|---|---|---|
| Enid | city | 50,653 | 37 | Wholly in this county |
| North Enid | town | 1,136 | None recorded | Wholly in this county |
| Waukomis | town | 1,076 | 2 | Wholly in this county |
| Garber | city | 708 | None recorded | Wholly in this county |
| Lahoma | town | 485 | 3 | Wholly in this county |
| Drummond | town | 397 | 2 | Wholly in this county |
| Covington | town | 297 | None recorded | Wholly in this county |
| Kremlin | town | 267 | None recorded | Wholly in this county |
| Breckenridge | town | 239 | None recorded | Wholly in this county |
| Fairmont | town | 158 | None recorded | Wholly in this county |
| Hunter | town | 139 | None recorded | Wholly in this county |
| Hillsdale | town | 89 | None recorded | Wholly in this county |
| Carrier | town | 65 | None recorded | Wholly in this county |
| Bison | CDP | 48 | None recorded | Wholly in this county |
| Douglas | town | 48 | None recorded | Wholly in this county |
Nearby