HomeOklahomaKay CountyPonca City
Ponca City, Oklahoma: commercial real estate data.
Ponca 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Ponca City (7(a))
- Approvals15
- Gross approval$12,015,100
- Average approval$801,007
- Median approval$350,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Ponca City, in any county, FY2020 to FY2026. Only 2 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.
Ponca City
SBA loans in Ponca City (504)
- 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
Counted by borrower city: approvals to borrowers whose address is in Ponca City, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ponca City
Flood risk in Ponca City
- NFIP communityCity of Ponca City
- NFIP community number400080
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date12/17/13
The City of Ponca City participates in the National Flood Insurance Program as community 400080 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Kay County, not Ponca City
Kay County context, not Ponca City figures
- Establishments in Kay County1,047
- Covered employment, Kay County17,181
- Average annual pay, Kay County$49,720
- Housing units permitted, Kay County15
Every figure in this section is published for Kay County as a whole and is not a measurement of Ponca City.
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
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 totaling $12.0 m since FY2020, across 6 lenders, median approval $350,000, plus 3 504 approvals worth $632,000 since FY2010. 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 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 Ponca City in the National Flood Insurance Program?
Yes. Ponca City appears in the FEMA Community Status Book as Ponca City, city of, community 400080, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. 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 Ponca City figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.