Osage County, Oklahoma: commercial real estate data.
Osage County, Oklahoma had an estimated 46,495 residents on July 1, 2024, up 1.5 percent since the 2020 census base of 45,829, across 2,246 square miles. County output reached $1.34 bn in 2024, 608 establishments operate here, and the SBA record carries 19 7(a) approvals worth $9.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Osage County
How many people live in Osage County
- Population, American Community Survey 2020-202445,997
- Households17,374
- Average household size2.65
- Median household income$62,847
- Median age43.5
- Median gross rent$777 per month
- Median owner-occupied home value$182,100
- Home value to household income2.9 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher22.7 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over32,871
- Population under 189,617
- Share under 1820.9 percent
- Population 65 and over9,834
- Share 65 and over21.4 percent
- Working age population, 18 to 6426,546
- Civilian labor force20,465
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over56.3 percent
- Rank by population among Oklahoma counties20th of 77
- Rank by population among US county-equivalents, Puerto Rico included1083rd of 3,222
Osage County is the 20th largest of 77 Oklahoma counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents 65 and over outnumber those under 18, at 21.4 percent against 20.9 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Osage County
Is Osage County's population growing?
- Population, July 1, 202446,495
- Census 2020 base population45,829
- Population change since the 2020 census base1.45 percent
- Population change, 2023 to 2024487
- Births, 2024349
- Deaths, 2024539
- Natural change, 2024-190
- Net domestic migration, 2024680
- Net international migration, 20243
- Total net migration, 2024683
- Cumulative net domestic migration, 2021 to 20241,583
- Rank by growth among US county-equivalents1352nd of 3,144
The county has grown 1.45 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.
Osage County
Where are people moving to Osage County from?
- Tax returns filed by households arriving1,480
- People arriving, from those returns2,931
- Tax returns filed by households leaving1,365
- Net household movement115
- Adjusted gross income arriving$76.8 m
- Net adjusted gross income movement$11.4 m
- Average income of an arriving household$51,889
- Average income of a leaving household$47,938
- Largest single originTulsa County (675 households)
- Largest single destinationTulsa County (586 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Tulsa County | 675 | 1,358 | $35.0 m |
| Washington County | 88 | 188 | $4.0 m |
| Kay County | 77 | 160 | $3.6 m |
| Creek County | 46 | 87 | $2.1 m |
| Rogers County | 42 | 84 | $2.3 m |
| Wagoner County | 28 | 59 | $1.6 m |
| Pawnee County | 26 | 61 | $1.2 m |
| Payne County | 24 | 43 | $1.2 m |
Households arriving report $3,951 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 Tulsa 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.
Osage County
What is the Osage County economy?
- County GDP, 2024$1.34 bn
- County GDP, 2023$1.37 bn
- GDP change, 2023 to 2024-2.3 percent
- GDP change over five years52.0 percent
- Rank by GDP among the Oklahoma areas BEA publishes34th of 77
- Rank by GDP among the US county areas BEA publishes1604th of 3,127
- GDP per resident$29,192
Output grew -2.3 percent in the latest year and 52.0 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.
Osage County
Employment by industry in Osage County
- Covered employment, annual average7,666
- Establishments reporting560
- Average annual pay$50,858
- Average weekly wage$978
- Retail trade, employment875
- Retail trade, average annual pay$28,644
- Accommodation and food services, employment490
- Accommodation and food services, average annual pay$19,028
- Manufacturing, employment462
- Manufacturing, average annual pay$73,745
- Construction, employment370
- Construction, average annual pay$56,429
- Mining, quarrying, and oil and gas extraction, employment324
- Professional, scientific and technical services, employment269
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 875 | 86 | $28,644 |
| Accommodation and food services | 490 | 32 | $19,028 |
| Manufacturing | 462 | 27 | $73,745 |
| Construction | 370 | 52 | $56,429 |
| Mining, quarrying, and oil and gas extraction | 324 | 38 | $53,341 |
| Professional, scientific and technical services | 269 | 36 | $117,253 |
| Arts, entertainment and recreation | 172 | 7 | $35,235 |
| Finance and insurance | 145 | 28 | $73,392 |
Retail trade is the largest private sector at 875 jobs, 11.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Osage County
How many businesses are in Osage County?
- Establishments, all industries608
- Employment at those establishments5,414
- Annual payroll$232.1 m
- Establishments per 1,000 residents13.2
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.
Osage County
Building permits in Osage County
- Housing units authorized by permit, 202489
- Declared construction value permitted$29.0 m
- Single family units authorized89
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$325,869
- Units authorized per 1,000 households5.1
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.
Osage County
SBA loans in Osage County (7(a) and 504)
- 7(a) approvals recorded19
- 7(a) gross approval dollars$9.8 m
- Average 7(a) approval$514,621
- Median 7(a) approval$257,000
- Largest single approval$2,000,000
- Jobs reported supported, 7(a)149
- Jobs per approval7.8
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.3 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter12
- Franchise loans1
- Franchise share of approvals5.3 percent
- Leading industry by approval countAircraft Manufacturing (3)
- Most active lenderBancFirst (6)
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Osage County
SBA loan default and charge-off rates in Osage County
Do SBA loans in Osage County get paid back?
- Loans with a final outcome recorded6
- Paid in full3
- Charged off3
- Status: Paid in full3
- Status: Charged off3
- Status: Exempt from disclosure11
- Status: Cancelled2
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.
Osage County
SBA lending by place in Osage County
- Borrower cities with recorded lending9
- Skiatook, approvals5
- Pawhuska, approvals3
- Bartlesville, approvals2
- Barnsdall, approvals2
- Sperry, approvals2
- Sand Springs, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Skiatook | 5 | $2,719,000 |
| Pawhuska | 3 | $995,300 |
| Bartlesville | 2 | $1,870,800 |
| Barnsdall | 2 | $1,300,000 |
| Sperry | 2 | $616,200 |
| Sand Springs | 2 | $307,000 |
| Fairfax | 1 | $1,800,000 |
| Hominy | 1 | $89,500 |
| 1 other borrower city | 1 | $80,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Osage County
How large is Osage County?
- Land area2,246 sq mi
- Rank by land area among Oklahoma counties1st of 77
- Width, east to west59 mi
- Height, north to south57.9 mi
- Geographies sharing a boundary7
- Residents per square mile of land20
- Establishments per square mile0.27
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.
Osage County
Flood risk in Osage County
- Participation of the county's own NFIP community Osage County, unincorporated areasParticipating, community 400146
- Communities in the county in the NFIP Community Status Book14
- Of those, participating in the NFIP11
- NFIP participation rate78.6 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 1
- Communities carrying a CRS class2
- Radon levels in Osage 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 Osage County (community 400146), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Osage 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 1, which carries a flood insurance premium discount for policies written in that community. 78.6 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 Osage 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 Osage County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202445,997
- Households17,374
- Average household size2.65
- Median household income$62,847
- Median age43.5
Common questions
Osage County questions, answered from the record.
How many people live in Osage County, Oklahoma?
The Census Bureau estimates 46,495 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 45,997, in 17,374 households, ranking 20th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Osage County's population growing?
The population has grown 1.45 percent since the 2020 census base of 45,829, to 46,495 on July 1, 2024. In 2024 there were 349 births against 539 deaths, with net migration of 683. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Osage County?
$62,847. The median owner-occupied home is valued at $182,100, which is 2.9 times income, and median gross rent is $777 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Osage County?
608 establishments, employing 5,414 people with an annual payroll of $232.1 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 Osage County?
Retail trade is the largest private sector at 875 jobs, 11.4 percent of covered employment. Covered employment averages 7,666 jobs at an average annual pay of $50,858, or $978 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Osage County?
19 7(a) approvals totaling $9.8 m since FY2020, across 12 lenders, with a median approval of $257,000. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Osage County?
89 housing units were authorized by permit in 2024, with a declared construction value of $29.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Osage 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 Osage County come from?
The largest single origin is Tulsa County, with 675 households. Arriving households report an average income of $51,889 against $47,938 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Osage 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 Osage 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.
Osage County
Cities and places in Osage.
23 Census places lie wholly or partly in Osage County. All 23 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 |
|---|---|---|---|---|
| Tulsa | city | 413,794 | None recorded | 5.3 percent here, 87.9 percent Tulsa County, 6.7 percent Wagoner County |
| Bartlesville | city | 37,878 | 2 | 4.5 percent here, 95.5 percent Washington County |
| Sand Springs | city | 20,117 | 2 | 18.6 percent here, 81.4 percent Tulsa County |
| Skiatook | city | 8,632 | 5 | 39.2 percent here, 60.8 percent Tulsa County |
| Hominy | city | 3,303 | 1 | Wholly in this county |
| Pawhuska | city | 2,930 | 3 | Wholly in this county |
| McCord | CDP | 1,553 | None recorded | Wholly in this county |
| Fairfax | town | 1,076 | 1 | Wholly in this county |
| Sperry | town | 1,066 | 2 | 24.5 percent here, 75.5 percent Tulsa County |
| Barnsdall | city | 919 | 2 | Wholly in this county |
| Shidler | city | 336 | 1 | Wholly in this county |
| Prue | town | 329 | None recorded | Wholly in this county |
| Wynona | town | 300 | None recorded | Wholly in this county |
| Avant | town | 209 | None recorded | Wholly in this county |
| Burbank | town | 104 | None recorded | Wholly in this county |
| Bowring | CDP | 103 | None recorded | Wholly in this county |
| Osage | town | 103 | None recorded | Wholly in this county |
| Webb City | town | 57 | None recorded | Wholly in this county |
| Nelagoney | CDP | 43 | None recorded | Wholly in this county |
| Grainola | town | 36 | None recorded | Wholly in this county |
| Whippoorwill | CDP | 27 | None recorded | Wholly in this county |
| Foraker | town | 20 | None recorded | Wholly in this county |
| Pershing | CDP | 0 | None recorded | Wholly in this county |