Lincoln County, Oklahoma: commercial real estate data.
Lincoln County, Oklahoma had an estimated 34,972 residents on July 1, 2024, up 4.5 percent since the 2020 census base of 33,463, across 952 square miles. County output reached $999.4 m in 2024, 593 establishments operate here, and the SBA record carries 17 7(a) approvals worth $10.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lincoln County
How many people live in Lincoln County
- Population, American Community Survey 2020-202434,219
- Households13,141
- Average household size2.60
- Median household income$62,216
- Median age41.5
- Median gross rent$794 per month
- Median owner-occupied home value$166,500
- Home value to household income2.7 times
- Annual rent as a share of median income15.3 percent
- Adults 25 and over with a bachelor degree or higher16.1 percent
- Adults 25 and over with a graduate degree5.3 percent
- Adults 25 and over23,661
- Population under 188,028
- Share under 1823.5 percent
- Population 65 and over6,633
- Share 65 and over19.4 percent
- Working age population, 18 to 6419,558
- Civilian labor force15,169
- Unemployment rate3.9 percent
- Labor force participation, adults 18 and over57.9 percent
- Rank by population among Oklahoma counties30th of 77
- Rank by population among US county-equivalents, Puerto Rico included1359th of 3,222
Lincoln County is the 30th largest of 77 Oklahoma counties by population. A median home costs 2.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.5 percent against 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Lincoln County
Is Lincoln County's population growing?
- Population, July 1, 202434,972
- Census 2020 base population33,463
- Population change since the 2020 census base4.51 percent
- Population change, 2023 to 2024359
- Births, 2024358
- Deaths, 2024452
- Natural change, 2024-94
- Net domestic migration, 2024450
- Net international migration, 20245
- Total net migration, 2024455
- Cumulative net domestic migration, 2021 to 20241,908
- Rank by growth among US county-equivalents615th of 3,144
The county has grown 4.51 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.
Lincoln County
Where are people moving to Lincoln County from?
- Tax returns filed by households arriving1,087
- People arriving, from those returns2,303
- Tax returns filed by households leaving896
- Net household movement191
- Adjusted gross income arriving$51.1 m
- Net adjusted gross income movement$9.7 m
- Average income of an arriving household$47,025
- Average income of a leaving household$46,203
- Largest single originOklahoma County (255 households)
- Largest single destinationOklahoma County (195 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oklahoma County | 255 | 505 | $12.2 m |
| Pottawatomie County | 147 | 345 | $7.5 m |
| Payne County | 72 | 155 | $2.8 m |
| Cleveland County | 68 | 134 | $3.4 m |
| Tulsa County | 41 | 87 | $1.5 m |
| Canadian County | 36 | 83 | $1.8 m |
| Creek County | 36 | 92 | $1.5 m |
| Logan County | 26 | 68 | $1.7 m |
Households arriving report $822 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. 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.
Lincoln County
What is the Lincoln County economy?
- County GDP, 2024$999.4 m
- County GDP, 2023$991.6 m
- GDP change, 2023 to 20240.8 percent
- GDP change over five years13.3 percent
- Rank by GDP among the Oklahoma areas BEA publishes41st of 77
- Rank by GDP among the US county areas BEA publishes1842nd of 3,127
- GDP per resident$29,205
Output grew 0.8 percent in the latest year and 13.3 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.
Lincoln County
Employment by industry in Lincoln County
- Covered employment, annual average7,470
- Establishments reporting731
- Average annual pay$50,745
- Average weekly wage$976
- Retail trade, employment912
- Retail trade, average annual pay$36,716
- Construction, employment863
- Construction, average annual pay$74,020
- Health care and social assistance, employment711
- Health care and social assistance, average annual pay$51,470
- Manufacturing, employment597
- Manufacturing, average annual pay$52,275
- Accommodation and food services, employment573
- Finance and insurance, employment501
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 912 | 95 | $36,716 |
| Construction | 863 | 98 | $74,020 |
| Health care and social assistance | 711 | 69 | $51,470 |
| Manufacturing | 597 | 32 | $52,275 |
| Accommodation and food services | 573 | 39 | $16,469 |
| Finance and insurance | 501 | 54 | $71,039 |
| Professional, scientific and technical services | 329 | 70 | $57,325 |
| Transportation and warehousing | 278 | 30 | $67,279 |
Retail trade is the largest private sector at 912 jobs, 12.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Lincoln County
How many businesses are in Lincoln County?
- Establishments, all industries593
- Employment at those establishments5,625
- Annual payroll$279.8 m
- Establishments per 1,000 residents17.3
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.
Lincoln County
Building permits in Lincoln County
- Housing units authorized by permit, 202421
- Declared construction value permitted$5.7 m
- Single family units authorized21
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$273,029
- Units authorized per 1,000 households1.6
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.
Lincoln County
SBA loans in Lincoln County (7(a) and 504)
- 7(a) approvals recorded17
- 7(a) gross approval dollars$10.1 m
- Average 7(a) approval$594,759
- Median 7(a) approval$334,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)100
- Jobs per approval5.9
- Distinct 7(a) lenders active6
- Distinct industries receiving approvals13
- Median 7(a) term180 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 shorter7
- Franchise loans1
- Franchise share of approvals5.9 percent
- Most active lenderBancFirst (12)
- 504 approvals recorded1
- 504 gross approval dollars$646,000
- Average 504 approval$646,000
- Median 504 approval$646,000
- Distinct CDCs active1
- 504 jobs per approval13.0
- 504 jobs per million dollars approved20.1
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$10.8 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.
Lincoln County
SBA loan default and charge-off rates in Lincoln County
Do SBA loans in Lincoln County get paid back?
- Loans with a final outcome recorded6
- Paid in full5
- Charged off1
- Status: Cancelled3
- Status: Paid in full5
- Status: Exempt from disclosure7
- Status: Charged off1
- Status: Committed, not yet disbursed1
Only 6 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.
Lincoln County
SBA lending by place in Lincoln County
- Borrower cities with recorded lending7
- Chandler, approvals6
- Prague, approvals5
- McLoud, approvals2
- Harrah, approvals1
- Meeker, approvals1
- Carney, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Chandler | 6 | $1,581,400 |
| Prague | 5 | $1,711,000 |
| McLoud | 2 | $88,000 |
| Harrah | 1 | $5,000,000 |
| Meeker | 1 | $1,147,500 |
| Carney | 1 | $342,000 |
| Stroud | 1 | $241,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Lincoln County
How large is Lincoln County?
- Land area952 sq mi
- Rank by land area among Oklahoma counties25th of 77
- Width, east to west29.3 mi
- Height, north to south33.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land36
- Establishments per square mile0.62
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.
Lincoln County
Flood risk in Lincoln County
- Participation of the county's own NFIP community Lincoln County, unincorporated areasParticipating, community 400457
- Communities in the county in the NFIP Community Status Book11
- Of those, participating in the NFIP7
- NFIP participation rate63.6 percent
- Communities carrying a CRS class0
- Radon levels in Lincoln 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 Lincoln County (community 400457), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Lincoln 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. 63.6 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 Lincoln 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 Lincoln County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202434,219
- Households13,141
- Average household size2.60
- Median household income$62,216
- Median age41.5
Common questions
Lincoln County questions, answered from the record.
How many people live in Lincoln County, Oklahoma?
The Census Bureau estimates 34,972 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 34,219, in 13,141 households, ranking 30th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Lincoln County's population growing?
The population has grown 4.51 percent since the 2020 census base of 33,463, to 34,972 on July 1, 2024. In 2024 there were 358 births against 452 deaths, with net migration of 455. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Lincoln County?
$62,216. The median owner-occupied home is valued at $166,500, which is 2.7 times income, and median gross rent is $794 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Lincoln County?
593 establishments, employing 5,625 people with an annual payroll of $279.8 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 Lincoln County?
Retail trade is the largest private sector at 912 jobs, 12.2 percent of covered employment. Covered employment averages 7,470 jobs at an average annual pay of $50,745, or $976 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Lincoln County?
17 7(a) approvals totaling $10.1 m since FY2020, across 6 lenders, with a median approval of $334,000, plus 1 504 approvals worth $646,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Lincoln County?
21 housing units were authorized by permit in 2024, with a declared construction value of $5.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Lincoln 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 Lincoln County come from?
The largest single origin is Oklahoma County, with 255 households. Arriving households report an average income of $47,025 against $46,203 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Lincoln 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 Lincoln 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.
Lincoln County
Cities and places in Lincoln.
13 Census places lie wholly or partly in Lincoln County. All 13 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 |
|---|---|---|---|---|
| Chandler | city | 2,899 | 6 | Wholly in this county |
| Stroud | city | 2,793 | 1 | 82.1 percent here, 17.9 percent Creek County |
| Prague | city | 2,155 | 5 | 96.7 percent here, 3.3 percent Pottawatomie County |
| Meeker | town | 1,172 | 1 | Wholly in this county |
| Wellston | town | 902 | None recorded | Wholly in this county |
| Davenport | town | 674 | None recorded | Wholly in this county |
| Carney | town | 562 | 1 | Wholly in this county |
| Tryon | town | 372 | None recorded | Wholly in this county |
| Agra | town | 335 | None recorded | Wholly in this county |
| Warwick | town | 202 | None recorded | Wholly in this county |
| Sparks | town | 113 | None recorded | Wholly in this county |
| Kendrick | town | 108 | None recorded | Wholly in this county |
| Fallis | town | 4 | None recorded | Wholly in this county |
A further 3 of the county's 17 SBA 7(a) approvals are to borrowers in cities that match no Census place in Lincoln County, the largest being McLoud (2), Harrah (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.
Nearby