Oklahoma County, Oklahoma: commercial real estate data.
Oklahoma County, Oklahoma had an estimated 816,490 residents on July 1, 2024, up 2.5 percent since the 2020 census base of 796,563, across 709 square miles. County output reached $73.74 bn in 2024, 24,877 establishments operate here, and the SBA record carries 936 7(a) approvals worth $515.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oklahoma County
How many people live in Oklahoma County
- Population, American Community Survey 2020-2024806,199
- Households328,101
- Average household size2.46
- Median household income$66,679
- Median age35.2
- Median gross rent$1,116 per month
- Median owner-occupied home value$222,900
- Home value to household income3.3 times
- Annual rent as a share of median income20.1 percent
- Adults 25 and over with a bachelor degree or higher35.9 percent
- Adults 25 and over with a graduate degree13.2 percent
- Adults 25 and over526,085
- Population under 18204,314
- Share under 1825.3 percent
- Population 65 and over116,513
- Share 65 and over14.5 percent
- Working age population, 18 to 64485,372
- Civilian labor force404,101
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over67.1 percent
- Rank by population among Oklahoma counties1st of 77
- Rank by population among US county-equivalents, Puerto Rico included79th of 3,222
Oklahoma County is the 1st largest of 77 Oklahoma counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 25.3 percent against 14.5 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oklahoma County
Is Oklahoma County's population growing?
- Population, July 1, 2024816,490
- Census 2020 base population796,563
- Population change since the 2020 census base2.50 percent
- Population change, 2023 to 20245,394
- Births, 202410,735
- Deaths, 20247,624
- Natural change, 20243,111
- Net domestic migration, 2024-1,686
- Net international migration, 20243,972
- Total net migration, 20242,286
- Cumulative net domestic migration, 2021 to 2024-2,915
- Rank by growth among US county-equivalents1007th of 3,144
The county has grown 2.50 percent since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Oklahoma County
Where are people moving to Oklahoma County from?
- Tax returns filed by households arriving20,576
- People arriving, from those returns36,958
- Tax returns filed by households leaving20,412
- Net household movement164
- Adjusted gross income arriving$1.26 bn
- Net adjusted gross income movement$-183.3 m
- Average income of an arriving household$61,268
- Average income of a leaving household$70,738
- Largest single originCleveland County (3,497 households)
- Largest single destinationCleveland County (3,606 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cleveland County | 3,497 | 6,068 | $173.5 m |
| Canadian County | 1,986 | 3,595 | $102.9 m |
| Tulsa County | 687 | 1,118 | $52.3 m |
| Logan County | 661 | 1,343 | $53.4 m |
| Pottawatomie County | 448 | 794 | $19.9 m |
| Payne County | 358 | 508 | $19.4 m |
| Comanche County | 346 | 603 | $17.4 m |
| Dallas County | 330 | 554 | $30.4 m |
Households arriving report $9,470 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.
Oklahoma County
What is the Oklahoma County economy?
- County GDP, 2024$73.74 bn
- County GDP, 2023$70.47 bn
- GDP change, 2023 to 20244.6 percent
- GDP change over five years29.0 percent
- Rank by GDP among the Oklahoma areas BEA publishes1st of 77
- Rank by GDP among the US county areas BEA publishes75th of 3,127
- GDP per resident$91,461
Output grew 4.6 percent in the latest year and 29.0 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.
Oklahoma County
Employment by industry in Oklahoma County
- Covered employment, annual average495,002
- Establishments reporting33,295
- Average annual pay$65,904
- Average weekly wage$1,267
- Health care and social assistance, employment76,371
- Health care and social assistance, average annual pay$69,914
- Retail trade, employment48,683
- Retail trade, average annual pay$41,109
- Accommodation and food services, employment47,030
- Accommodation and food services, average annual pay$24,049
- Administrative and support and waste management services, employment34,713
- Administrative and support and waste management services, average annual pay$52,608
- Professional, scientific and technical services, employment33,551
- Manufacturing, employment24,954
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 76,371 | 4,022 | $69,914 |
| Retail trade | 48,683 | 3,193 | $41,109 |
| Accommodation and food services | 47,030 | 2,347 | $24,049 |
| Administrative and support and waste management services | 34,713 | 2,608 | $52,608 |
| Professional, scientific and technical services | 33,551 | 5,546 | $86,528 |
| Manufacturing | 24,954 | 878 | $76,111 |
| Construction | 23,181 | 2,658 | $70,436 |
| Transportation and warehousing | 22,725 | 805 | $54,612 |
Health care and social assistance is the largest private sector at 76,371 jobs, 15.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oklahoma County
How many businesses are in Oklahoma County?
- Establishments, all industries24,877
- Employment at those establishments407,951
- Annual payroll$24.11 bn
- Establishments per 1,000 residents30.9
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.
Oklahoma County
Building permits in Oklahoma County
- Housing units authorized by permit, 20246,164
- Declared construction value permitted$1.57 bn
- Single family units authorized4,531
- Multifamily units authorized1,633
- Multifamily share of units26.5 percent
- Average declared value per unit$254,845
- Units authorized per 1,000 households18.8
Single-family homes are 73.5 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Oklahoma County
SBA loans in Oklahoma County (7(a) and 504)
- 7(a) approvals recorded936
- 7(a) gross approval dollars$515.1 m
- Average 7(a) approval$550,354
- Median 7(a) approval$250,000
- 10th percentile approval$50,000
- 90th percentile approval$1,421,750
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)13,355
- Jobs per approval14.3
- Distinct 7(a) lenders active125
- Distinct industries receiving approvals257
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer14.7 percent
- Loans on real estate terms138
- Loans on working capital terms, 120 months or shorter734
- Franchise loans139
- Franchise share of approvals14.9 percent
- Leading industry by approval countLimited-Service Restaurants (43)
- Most active lenderBancFirst (286)
- 504 approvals recorded186
- 504 gross approval dollars$149.3 m
- Average 504 approval$802,823
- Median 504 approval$507,500
- Distinct CDCs active5
- 504 jobs per approval10.8
- 504 jobs per million dollars approved13.4
- Most active CDCRural Enterprises of Oklahoma, Inc. (93)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$664.5 m
The average approval of $550,354 sits well above the median of $250,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 14.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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.
Oklahoma County
SBA loan default and charge-off rates in Oklahoma County
Do SBA loans in Oklahoma County get paid back?
- Loans with a final outcome recorded212
- Paid in full197
- Charged off15
- Charge-off rate on resolved loans7.1 percent
- Status: Exempt from disclosure577
- Status: Paid in full197
- Status: Charged off15
- Status: Cancelled104
- Status: Committed, not yet disbursed43
Of the 212 loans that have reached a final outcome, 7.1 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Oklahoma County
SBA lending by place in Oklahoma County
- Borrower cities with recorded lending15
- Oklahoma City, approvals584
- Edmond, approvals252
- Bethany, approvals21
- Choctaw, approvals16
- Jones, approvals11
- Midwest City, approvals10
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Oklahoma City | 584 | $360,549,400 |
| Edmond | 252 | $115,843,200 |
| Bethany | 21 | $11,725,300 |
| Choctaw | 16 | $3,450,600 |
| Jones | 11 | $2,887,700 |
| Midwest City | 10 | $5,485,000 |
| Warr Acres | 9 | $4,321,300 |
| Harrah | 8 | $2,752,600 |
| 7 other borrower cities | 25 | $8,116,300 |
Oklahoma City accounts for 584 approvals against 252 in Edmond. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oklahoma County
How large is Oklahoma County?
- Land area709 sq mi
- Rank by land area among Oklahoma counties51st of 77
- Width, east to west30 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land1,137
- Establishments per square mile35.09
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.
Oklahoma County
Flood risk in Oklahoma County
- Participation of the county's own NFIP community Oklahoma County, unincorporated areasParticipating, community 400466
- Communities in the county in the NFIP Community Status Book20
- Of those, participating in the NFIP20
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 6
- Communities carrying a CRS class3
- Radon levels in Oklahoma 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 Oklahoma County (community 400466), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Oklahoma 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 6, which carries a flood insurance premium discount for policies written in that community. 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 Oklahoma 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 Oklahoma County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024806,199
- Households328,101
- Average household size2.46
- Median household income$66,679
- Median age35.2
Common questions
Oklahoma County questions, answered from the record.
How many people live in Oklahoma County, Oklahoma?
The Census Bureau estimates 816,490 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 806,199, in 328,101 households, ranking 1st of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oklahoma County's population growing?
The population has grown 2.50 percent since the 2020 census base of 796,563, to 816,490 on July 1, 2024. In 2024 there were 10,735 births against 7,624 deaths, with net migration of 2,286. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oklahoma County?
$66,679. The median owner-occupied home is valued at $222,900, which is 3.3 times income, and median gross rent is $1,116 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Oklahoma County?
24,877 establishments, employing 407,951 people with an annual payroll of $24.11 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Oklahoma County?
Health care and social assistance is the largest private sector at 76,371 jobs, 15.4 percent of covered employment. Covered employment averages 495,002 jobs at an average annual pay of $65,904, or $1,267 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oklahoma County?
936 7(a) approvals totaling $515.1 m since FY2020, across 125 lenders, with a median approval of $250,000, plus 186 504 approvals worth $149.3 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Oklahoma County get paid back?
Of the 212 loans that have reached a final outcome, 197 were paid in full and 15 charged off, a charge-off rate of 7.1 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Oklahoma County?
6,164 housing units were authorized by permit in 2024, with a declared construction value of $1.57 bn. Multifamily was 26.5 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oklahoma 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 Oklahoma County come from?
The largest single origin is Cleveland County, with 3,497 households. Arriving households report an average income of $61,268 against $70,738 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oklahoma 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 Oklahoma 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.
Oklahoma County
Cities and places in Oklahoma.
20 Census places lie wholly or partly in Oklahoma County. All 20 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 |
|---|---|---|---|---|
| Oklahoma City | city | 697,125 | 584 | 57.9 percent here, 21.8 percent Canadian County, 20.3 percent Cleveland County |
| Edmond | city | 96,825 | 252 | Wholly in this county |
| Midwest City | city | 58,297 | 10 | Wholly in this county |
| Del City | city | 21,494 | 6 | Wholly in this county |
| Bethany | city | 20,560 | 21 | Wholly in this county |
| Choctaw | city | 12,303 | 16 | Wholly in this county |
| Warr Acres | city | 10,466 | 9 | Wholly in this county |
| The Village | city | 9,447 | None recorded | Wholly in this county |
| Harrah | city | 6,684 | 8 | Wholly in this county |
| Spencer | city | 3,928 | 2 | Wholly in this county |
| Nichols Hills | city | 3,843 | 5 | Wholly in this county |
| Jones | town | 3,053 | 11 | Wholly in this county |
| Nicoma Park | city | 2,566 | None recorded | Wholly in this county |
| Luther | town | 1,627 | 7 | Wholly in this county |
| Forest Park | town | 949 | None recorded | Wholly in this county |
| Valley Brook | town | 647 | None recorded | Wholly in this county |
| Woodlawn Park | town | 180 | None recorded | Wholly in this county |
| Arcadia | town | 176 | 3 | Wholly in this county |
| Lake Aluma | town | 105 | None recorded | Wholly in this county |
| Smith Village | town | 40 | None recorded | Wholly in this county |
A further 2 of the county's 936 SBA 7(a) approvals are to borrowers in cities that match no Census place in Oklahoma County, the largest being Valdosta (1), Okc (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