Harper County, Oklahoma: commercial real estate data.
Harper County, Oklahoma had an estimated 3,209 residents on July 1, 2024, down 1.7 percent since the 2020 census base of 3,266, across 1,039 square miles. County output reached $329.0 m in 2024, 89 establishments operate here, and the SBA record carries 6 7(a) approvals worth $1.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Harper County
How many people live in Harper County
- Population, American Community Survey 2020-20243,203
- Households1,333
- Average household size2.40
- Median household income$64,053
- Median age40.9
- Median gross rent$828 per month
- Median owner-occupied home value$99,200
- Home value to household income1.5 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher29.3 percent
- Adults 25 and over with a graduate degree4.9 percent
- Adults 25 and over2,280
- Population under 18763
- Share under 1823.8 percent
- Population 65 and over641
- Share 65 and over20.0 percent
- Working age population, 18 to 641,799
- Civilian labor force1,530
- Unemployment rate2.6 percent
- Labor force participation, adults 18 and over62.7 percent
- Rank by population among Oklahoma counties75th of 77
- Rank by population among US county-equivalents, Puerto Rico included3025th of 3,222
Harper County is the 75th largest of 77 Oklahoma counties by population. A median home costs 1.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.8 percent against 20.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Harper County
Is Harper County's population growing?
- Population, July 1, 20243,209
- Census 2020 base population3,266
- Population change since the 2020 census base-1.75 percent
- Population change, 2023 to 20242
- Births, 202430
- Deaths, 202432
- Natural change, 2024-2
- Net domestic migration, 2024-24
- Net international migration, 202429
- Total net migration, 20245
- Cumulative net domestic migration, 2021 to 2024-75
- Rank by growth among US county-equivalents2432nd of 3,144
The county has lost 1.75 percent of its population 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.
Harper County
Where are people moving to Harper County from?
- Tax returns filed by households arriving55
- People arriving, from those returns107
- Tax returns filed by households leaving53
- Net household movement2
- Adjusted gross income arriving$2.7 m
- Net adjusted gross income movement$1.6 m
- Average income of an arriving household$48,309
- Average income of a leaving household$20,830
| Origin | Households | People | Adjusted gross income |
|---|
Households arriving report $27,479 more average income than households leaving, so the migration is raising local spending power rather than just moving it around.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Harper County
What is the Harper County economy?
- County GDP, 2024$329.0 m
- County GDP, 2023$305.3 m
- GDP change, 2023 to 20247.8 percent
- GDP change over five years71.0 percent
- Rank by GDP among the Oklahoma areas BEA publishes64th of 77
- Rank by GDP among the US county areas BEA publishes2657th of 3,127
- GDP per resident$102,718
Output grew 7.8 percent in the latest year and 71.0 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.
Harper County
Employment by industry in Harper County
- Covered employment, annual average1,092
- Establishments reporting144
- Average annual pay$47,900
- Average weekly wage$921
- Retail trade, employment120
- Retail trade, average annual pay$20,638
- Utilities, employment76
- Utilities, average annual pay$90,033
- Health care and social assistance, employment52
- Health care and social assistance, average annual pay$36,274
- Other services, except public administration, employment20
- Other services, except public administration, average annual pay$27,695
- Construction, employment19
- Accommodation and food services, employment12
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 120 | 21 | $20,638 |
| Utilities | 76 | 5 | $90,033 |
| Health care and social assistance | 52 | 6 | $36,274 |
| Other services, except public administration | 20 | 8 | $27,695 |
| Construction | 19 | 4 | $48,971 |
| Accommodation and food services | 12 | 4 | $9,104 |
Retail trade is the largest private sector at 120 jobs, 11.0 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Harper County
How many businesses are in Harper County?
- Establishments, all industries89
- Employment at those establishments478
- Annual payroll$20.5 m
- Establishments per 1,000 residents27.8
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.
Harper County
Building permits in Harper County
- Housing units authorized by permit, 20242
- Declared construction value permitted$605,281
- Single family units authorized2
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorized per 1,000 households1.5
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.
Harper County
SBA loans in Harper County (7(a) and 504)
- 7(a) approvals recorded6
- 7(a) gross approval dollars$1.6 m
- Average 7(a) approval$267,150
- Median 7(a) approval$225,000
- Largest single approval$590,600
- Jobs reported supported, 7(a)52
- Jobs per approval8.7
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals5
- Median 7(a) term178 months
- Share of loans on real estate terms, 240 months or longer0.0 percent
- Loans on real estate terms0
- Loans on working capital terms, 120 months or shorter2
- Franchise loans0
- Franchise share of approvals0.0 percent
- Most active lenderSNB Bank National Association (5)
- 504 approvals recorded1
- 504 gross approval dollars$405,000
- Average 504 approval$405,000
- Median 504 approval$405,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved2.5
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$2.0 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.
Harper County
SBA loan default and charge-off rates in Harper County
Do SBA loans in Harper County get paid back?
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure3
Only 3 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.
Harper County
SBA lending by place in Harper County
- Borrower cities with recorded lending2
- Laverne, approvals5
- Buffalo, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Laverne | 5 | $1,252,900 |
| Buffalo | 1 | $350,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Harper County
How large is Harper County?
- Land area1,039 sq mi
- Rank by land area among Oklahoma counties17th of 77
- Width, east to west39.1 mi
- Height, north to south28.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land3
- Establishments per square mile0.09
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.
Harper County
Flood risk in Harper County
- Communities in the county in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Communities carrying a CRS class0
- Radon levels in Harper County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Harper 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. 100.0 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 Harper 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 Harper County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-20243,203
- Households1,333
- Average household size2.40
- Median household income$64,053
- Median age40.9
Common questions
Harper County questions, answered from the record.
How many people live in Harper County, Oklahoma?
The Census Bureau estimates 3,209 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 3,203, in 1,333 households, ranking 75th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Harper County's population growing?
The population has fallen 1.75 percent since the 2020 census base of 3,266, to 3,209 on July 1, 2024. In 2024 there were 30 births against 32 deaths, with net migration of 5. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Harper County?
$64,053. The median owner-occupied home is valued at $99,200, which is 1.5 times income, and median gross rent is $828 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Harper County?
89 establishments, employing 478 people with an annual payroll of $20.5 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 Harper County?
Retail trade is the largest private sector at 120 jobs, 11.0 percent of covered employment. Covered employment averages 1,092 jobs at an average annual pay of $47,900, or $921 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Harper County?
6 7(a) approvals totaling $1.6 m since FY2020, across 2 lenders, with a median approval of $225,000, plus 1 504 approvals worth $405,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Harper County?
2 housing units were authorized by permit in 2024, with a declared construction value of $605,281. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Harper 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.
Are traffic counts available for Harper 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 Harper 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.
Harper County
Cities and places in Harper.
5 Census places lie wholly or partly in Harper County. All 5 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 |
|---|---|---|---|---|
| Buffalo | town | 1,092 | 1 | Wholly in this county |
| Laverne | town | 904 | 5 | Wholly in this county |
| Rosston | town | 58 | None recorded | Wholly in this county |
| May | town | 29 | None recorded | Wholly in this county |
| Selman | CDP | 0 | None recorded | Wholly in this county |
Nearby