Garvin County, Oklahoma: commercial real estate data.
Garvin County, Oklahoma had an estimated 26,149 residents on July 1, 2024, up 1.9 percent since the 2020 census base of 25,661, across 802 square miles. County output reached $2.03 bn in 2024, 697 establishments operate here, and the SBA record carries 17 7(a) approvals worth $17.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Garvin County
How many people live in Garvin County
- Population, American Community Survey 2020-202425,860
- Households10,110
- Average household size2.56
- Median household income$58,556
- Median age38.6
- Median gross rent$825 per month
- Median owner-occupied home value$147,800
- Home value to household income2.5 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over17,364
- Population under 186,487
- Share under 1825.1 percent
- Population 65 and over4,670
- Share 65 and over18.1 percent
- Working age population, 18 to 6414,703
- Civilian labor force11,380
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over58.7 percent
- Rank by population among Oklahoma counties35th of 77
- Rank by population among US county-equivalents, Puerto Rico included1621st of 3,222
Garvin County is the 35th largest of 77 Oklahoma counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.1 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garvin County
Is Garvin County's population growing?
- Population, July 1, 202426,149
- Census 2020 base population25,661
- Population change since the 2020 census base1.90 percent
- Population change, 2023 to 2024231
- Births, 2024314
- Deaths, 2024387
- Natural change, 2024-73
- Net domestic migration, 2024258
- Net international migration, 202448
- Total net migration, 2024306
- Cumulative net domestic migration, 2021 to 2024800
- Rank by growth among US county-equivalents1200th of 3,144
The county has grown 1.90 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Garvin County
Where are people moving to Garvin County from?
- Tax returns filed by households arriving737
- People arriving, from those returns1,547
- Tax returns filed by households leaving686
- Net household movement51
- Adjusted gross income arriving$34.5 m
- Net adjusted gross income movement$-730,000
- Average income of an arriving household$46,847
- Average income of a leaving household$51,394
- Largest single originCleveland County (88 households)
- Largest single destinationCleveland County (92 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cleveland County | 88 | 179 | $4.9 m |
| McClain County | 77 | 148 | $3.5 m |
| Oklahoma County | 62 | 126 | $2.7 m |
| Pontotoc County | 55 | 97 | $1.9 m |
| Murray County | 49 | 115 | $2.3 m |
| Grady County | 27 | 61 | $1.1 m |
| Carter County | 25 | 64 | $983,000 |
Households arriving report $4,547 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Cleveland 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.
Garvin County
What is the Garvin County economy?
- County GDP, 2024$2.03 bn
- County GDP, 2023$2.31 bn
- GDP change, 2023 to 2024-12.2 percent
- GDP change over five years42.3 percent
- Rank by GDP among the Oklahoma areas BEA publishes24th of 77
- Rank by GDP among the US county areas BEA publishes1264th of 3,127
- GDP per resident$78,533
Output grew -12.2 percent in the latest year and 42.3 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.
Garvin County
Employment by industry in Garvin County
- Covered employment, annual average9,747
- Establishments reporting860
- Average annual pay$56,234
- Average weekly wage$1,081
- Transportation and warehousing, employment1,565
- Transportation and warehousing, average annual pay$62,866
- Retail trade, employment1,271
- Retail trade, average annual pay$42,827
- Manufacturing, employment927
- Manufacturing, average annual pay$94,948
- Construction, employment614
- Construction, average annual pay$70,694
- Mining, quarrying, and oil and gas extraction, employment529
- Finance and insurance, employment269
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Transportation and warehousing | 1,565 | 40 | $62,866 |
| Retail trade | 1,271 | 102 | $42,827 |
| Manufacturing | 927 | 26 | $94,948 |
| Construction | 614 | 102 | $70,694 |
| Mining, quarrying, and oil and gas extraction | 529 | 75 | $70,771 |
| Finance and insurance | 269 | 56 | $62,856 |
| Wholesale trade | 195 | 38 | $69,368 |
| Other services, except public administration | 115 | 40 | $47,014 |
Transportation and warehousing is the largest private sector at 1,565 jobs, 16.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Garvin County
How many businesses are in Garvin County?
- Establishments, all industries697
- Employment at those establishments7,848
- Annual payroll$423.3 m
- Establishments per 1,000 residents27.0
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.
Garvin County
Building permits in Garvin County
- Housing units authorized by permit, 20241
- Declared construction value permitted$211,333
- Single family units authorized1
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$211,333
- Units authorized per 1,000 households0.1
Single-family homes are 100.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Garvin County
SBA loans in Garvin County (7(a) and 504)
- 7(a) approvals recorded17
- 7(a) gross approval dollars$17.0 m
- Average 7(a) approval$998,318
- Median 7(a) approval$566,300
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)154
- Jobs per approval9.1
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.4 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter9
- Franchise loans2
- Franchise share of approvals11.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderBancFirst (3)
- 504 approvals recorded3
- 504 gross approval dollars$3.4 m
- Average 504 approval$1,144,333
- Median 504 approval$1,540,000
- Distinct CDCs active2
- 504 jobs per approval12.3
- 504 jobs per million dollars approved10.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.4 m
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.
Garvin County
SBA loan default and charge-off rates in Garvin County
Do SBA loans in Garvin County get paid back?
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Exempt from disclosure11
- Status: Paid in full4
- Status: Cancelled1
- Status: Committed, not yet disbursed1
Only 4 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.
Garvin County
SBA lending by place in Garvin County
- Borrower cities with recorded lending6
- Pauls Valley, approvals7
- Lindsay, approvals4
- Maysville, approvals2
- Wynnewood, approvals2
- Stratford, approvals1
- Elmore City, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Pauls Valley | 7 | $10,097,700 |
| Lindsay | 4 | $3,569,900 |
| Maysville | 2 | $1,462,500 |
| Wynnewood | 2 | $675,000 |
| Stratford | 1 | $600,000 |
| Elmore City | 1 | $566,300 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Garvin County
How large is Garvin County?
- Land area802 sq mi
- Rank by land area among Oklahoma counties40th of 77
- Width, east to west41.9 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land32
- Establishments per square mile0.87
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.
Garvin County
Flood risk in Garvin County
- Participation of the county's own NFIP community Garvin County, unincorporated areasNot participating, community 400472
- Communities in the county in the NFIP Community Status Book9
- Of those, participating in the NFIP8
- NFIP participation rate88.9 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 10
- Communities carrying a CRS class1
- Radon levels in Garvin 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 Garvin County (community 400472), does not participate in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Garvin 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 10, which carries a flood insurance premium discount for policies written in that community. 88.9 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 Garvin 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 Garvin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202425,860
- Households10,110
- Average household size2.56
- Median household income$58,556
- Median age38.6
Common questions
Garvin County questions, answered from the record.
How many people live in Garvin County, Oklahoma?
The Census Bureau estimates 26,149 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 25,860, in 10,110 households, ranking 35th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garvin County's population growing?
The population has grown 1.90 percent since the 2020 census base of 25,661, to 26,149 on July 1, 2024. In 2024 there were 314 births against 387 deaths, with net migration of 306. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garvin County?
$58,556. The median owner-occupied home is valued at $147,800, which is 2.5 times income, and median gross rent is $825 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Garvin County?
697 establishments, employing 7,848 people with an annual payroll of $423.3 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 Garvin County?
Transportation and warehousing is the largest private sector at 1,565 jobs, 16.1 percent of covered employment. Covered employment averages 9,747 jobs at an average annual pay of $56,234, or $1,081 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garvin County?
17 7(a) approvals totaling $17.0 m since FY2020, across 12 lenders, with a median approval of $566,300, plus 3 504 approvals worth $3.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Garvin County?
1 housing units were authorized by permit in 2024, with a declared construction value of $211,333. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garvin 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 Garvin County come from?
The largest single origin is Cleveland County, with 88 households. Arriving households report an average income of $46,847 against $51,394 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Garvin 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 Garvin 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.
Garvin County
Cities and places in Garvin.
11 Census places lie wholly or partly in Garvin County. All 11 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 |
|---|---|---|---|---|
| Pauls Valley | city | 6,062 | 7 | Wholly in this county |
| Lindsay | city | 2,884 | 4 | Wholly in this county |
| Wynnewood | city | 1,756 | 2 | Wholly in this county |
| Maysville | town | 1,399 | 2 | 29.3 percent here, 70.7 percent McClain County |
| Stratford | town | 1,331 | 1 | Wholly in this county |
| Elmore City | town | 882 | 1 | Wholly in this county |
| Paoli | town | 660 | None recorded | Wholly in this county |
| Katie | town | 429 | None recorded | Wholly in this county |
| Foster | town | 254 | None recorded | Wholly in this county |
| Hennepin | CDP | 126 | None recorded | Wholly in this county |
| Erin Springs | town | 31 | None recorded | Wholly in this county |
Nearby