HomeOklahomaKay CountyPonca City city
Ponca City city, Oklahoma: commercial real estate data.
Ponca City city is a Census city of 24,326 people across 18.38 square miles of land, in Kay County. Median household income is $55,941, 62.5 percent of occupied homes are owned, and the SBA record carries 15 7(a) approvals to borrowers here worth $12.0 m.
76 sourced place values · tier FULL · 8 sections
Ponca City
What Ponca City is
- Census place typecity
- Land area18.38 sq mi
- Water area1.23 sq mi
- Population per square mile of land1,324
- County holding the largest share of its areaKay 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.
Ponca City
How many people live in Ponca City
- Population24,326
- Median age37.1
- Population under 186,220
- Share under 1825.6 percent
- Population 65 and over4,312
- Share 65 and over17.7 percent
- Households9,371
- Family households5,801
- Share of households that are families61.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponca City
Income and work in Ponca City
- Median household income$55,941
- Per capita income$29,992
- Civilian labor force11,173
- Employed10,399
- Unemployed774 plus or minus 216
- Unemployment rate6.9 percent plus or minus 1.9
- Adults 25 and over15,874
- Adults 25 and over with a high school diploma or higher90.5 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree6.6 percent plus or minus 1.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponca City
Housing in Ponca City
- Housing units11,462
- Occupied units9,371
- Vacant units2,091
- Vacancy rate18.2 percent
- Owner occupied5,856
- Renter occupied3,515
- Ownership rate62.5 percent
- Median owner-occupied home value$135,800
- Median gross rent, monthly$850
- Annual rent as a share of median income18.2 percent
- Single family units9,483
- Share single family82.7 percent
- Units in buildings of two or more1,712
- Share in buildings of two or more14.9 percent
- Mobile homes247 plus or minus 104
- Median year structure built1964
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponca City
How Ponca City gets to work
- Workers 16 and over who commute9,820
- Commuting under 15 minutes6,472
- Share commuting under 15 minutes65.9 percent
- Commuting 30 minutes or more1,143
- Share commuting 30 minutes or more11.6 percent
- Drove alone78.5 percent
- Carpooled14.7 percent
- Public transport0.0 percent
- Walked1.2 percent plus or minus 0.7
- Worked from home3.4 percent plus or minus 1.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Ponca City
SBA 7(a) lending to Ponca City borrowers
- Approvals15
- Gross approval$12,015,100
- Average approval$801,007
- Median approval$350,000
- Ninetieth percentile approval$1,755,800
- Largest approval$5,000,000
- Jobs supported293
- Jobs per approval19.5
- Loans with a final outcome2
- Paid in full1
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more33.3 percent
- Share to franchises26.7 percent
- Distinct lenders6
- Distinct industries by NAICS12
A charge-off rate is not published here. only 2 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.
Ponca City
SBA 504 lending to Ponca City borrowers
- Approvals3
- Gross approval$632,000
- Average approval$210,667
- Median approval$194,000
- Largest approval$368,000
- Jobs supported35
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Kay County, not Ponca City
Kay County context, not Ponca City figures
These are Kay County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Ponca City measurements.
- Establishments in Kay County1,047
- Employment at those establishments, Kay County14,063
- Covered employment, Kay County17,181
- Average annual pay, Kay County$49,720
- Average weekly wage, Kay County$956
- Housing units permitted, Kay County15
- Of those, single family, Kay County15
- County product, 2024, Kay County$2,332,648,000
- County product change over the prior year, Kay County1.1 percent
- Average income of an arriving household, Kay County$45,547
Every figure in this section is published for Kay County as a whole and is not a measurement of Ponca City. 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
Ponca City questions, answered from the record.
How many people live in Ponca City, Oklahoma?
24,326, in 9,371 households. Ponca City city covers 18.38 square miles of land, which is 1,324 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Ponca City in?
Kay 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 Ponca City?
$55,941. The median owner-occupied home is valued at $135,800. Median gross rent is $850 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Ponca City businesses?
15 7(a) approvals totalling $12.0 m, across 6 lenders, median approval $350,000, plus 3 504 approvals worth $632,000. These count approvals to borrowers whose address is in Ponca City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Ponca City borrowers get paid back?
No rate is published for Ponca City. only 2 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 Ponca City figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kay 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 Ponca City.
Is zoning published for Ponca City?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.