Ottawa County, Oklahoma: commercial real estate data.
Ottawa County, Oklahoma had an estimated 30,404 residents on July 1, 2024, up 0.4 percent since the 2020 census base of 30,286, across 471 square miles. County output reached $1.44 bn in 2024, 548 establishments operate here, and the SBA record carries 20 7(a) approvals worth $14.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ottawa County
How many people live in Ottawa County
- Population, American Community Survey 2020-202430,341
- Households11,921
- Average household size2.55
- Median household income$49,947
- Median age37.2
- Median gross rent$788 per month
- Median owner-occupied home value$123,300
- Home value to household income2.5 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher15.0 percent
- Adults 25 and over with a graduate degree4.7 percent
- Adults 25 and over19,639
- Population under 187,660
- Share under 1825.2 percent
- Population 65 and over5,500
- Share 65 and over18.1 percent
- Working age population, 18 to 6417,181
- Civilian labor force12,740
- Unemployment rate3.0 percent
- Labor force participation, adults 18 and over56.2 percent
- Rank by population among Oklahoma counties32nd of 77
- Rank by population among US county-equivalents, Puerto Rico included1473rd of 3,222
Ottawa County is the 32nd largest of 77 Oklahoma counties by population. A median home costs 2.5 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.2 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ottawa County
Is Ottawa County's population growing?
- Population, July 1, 202430,404
- Census 2020 base population30,286
- Population change since the 2020 census base0.39 percent
- Population change, 2023 to 202488
- Births, 2024409
- Deaths, 2024517
- Natural change, 2024-108
- Net domestic migration, 2024163
- Net international migration, 202432
- Total net migration, 2024195
- Cumulative net domestic migration, 2021 to 2024596
- Rank by growth among US county-equivalents1680th of 3,144
The county has grown 0.39 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.
Ottawa County
Where are people moving to Ottawa County from?
- Tax returns filed by households arriving795
- People arriving, from those returns1,504
- Tax returns filed by households leaving765
- Net household movement30
- Adjusted gross income arriving$34.3 m
- Net adjusted gross income movement$5.9 m
- Average income of an arriving household$43,109
- Average income of a leaving household$37,115
- Largest single originDelaware County (124 households)
- Largest single destinationDelaware County (120 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Delaware County | 124 | 238 | $5.2 m |
| Jasper County | 66 | 115 | $2.2 m |
| Craig County | 55 | 117 | $2.1 m |
| Newton County | 53 | 100 | $2.4 m |
| Tulsa County | 51 | 102 | $2.2 m |
| Cherokee County | 40 | 91 | $1.5 m |
| Mayes County | 25 | 49 | $923,000 |
| Rogers County | 20 | 37 | $1.4 m |
Households arriving report $5,994 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 Delaware 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.
Ottawa County
What is the Ottawa County economy?
- County GDP, 2024$1.44 bn
- County GDP, 2023$1.39 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years33.1 percent
- Rank by GDP among the Oklahoma areas BEA publishes32nd of 77
- Rank by GDP among the US county areas BEA publishes1553rd of 3,127
- GDP per resident$47,386
Output grew 3.8 percent in the latest year and 33.1 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.
Ottawa County
Employment by industry in Ottawa County
- Covered employment, annual average12,934
- Establishments reporting775
- Average annual pay$45,301
- Average weekly wage$871
- Manufacturing, employment1,333
- Manufacturing, average annual pay$54,991
- Retail trade, employment1,236
- Retail trade, average annual pay$35,063
- Accommodation and food services, employment1,088
- Accommodation and food services, average annual pay$19,692
- Administrative and support and waste management services, employment473
- Administrative and support and waste management services, average annual pay$38,174
- Other services, except public administration, employment368
- Construction, employment318
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 1,333 | 45 | $54,991 |
| Retail trade | 1,236 | 108 | $35,063 |
| Accommodation and food services | 1,088 | 49 | $19,692 |
| Administrative and support and waste management services | 473 | 55 | $38,174 |
| Other services, except public administration | 368 | 46 | $36,243 |
| Construction | 318 | 72 | $49,026 |
| Finance and insurance | 248 | 48 | $61,184 |
| Professional, scientific and technical services | 197 | 63 | $51,557 |
Manufacturing is the largest private sector at 1,333 jobs, 10.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ottawa County
How many businesses are in Ottawa County?
- Establishments, all industries548
- Employment at those establishments8,370
- Annual payroll$355.9 m
- Establishments per 1,000 residents18.1
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.
Ottawa County
Building permits in Ottawa County
- Housing units authorized by permit, 202418
- Declared construction value permitted$3.4 m
- Single family units authorized16
- Multifamily units authorized2
- Multifamily share of units11.1 percent
- Average declared value per unit$190,767
- Units authorized per 1,000 households1.5
Single-family homes are 88.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Ottawa County
SBA loans in Ottawa County (7(a) and 504)
- 7(a) approvals recorded20
- 7(a) gross approval dollars$14.5 m
- Average 7(a) approval$722,555
- Median 7(a) approval$330,750
- 10th percentile approval$40,300
- 90th percentile approval$1,750,700
- Largest single approval$3,627,000
- Jobs reported supported, 7(a)111
- Jobs per approval5.5
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals18
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter10
- Franchise loans1
- Franchise share of approvals5.0 percent
- Most active lenderArvest Bank (5)
- 504 approvals recorded2
- 504 gross approval dollars$1.8 m
- Average 504 approval$923,000
- Median 504 approval$923,000
- Distinct CDCs active2
- 504 jobs per approval17.0
- 504 jobs per million dollars approved18.4
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$16.3 m
The average approval of $722,555 sits well above the median of $330,750, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. 50.0 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Ottawa County
SBA loan default and charge-off rates in Ottawa County
Do SBA loans in Ottawa County get paid back?
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Charged off1
- Status: Paid in full2
- Status: Exempt from disclosure16
- Status: Cancelled1
Only 3 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.
Ottawa County
SBA lending by place in Ottawa County
- Borrower cities with recorded lending5
- Miami, approvals13
- Afton, approvals4
- Quapaw, approvals1
- Fairland, approvals1
- Wyandotte, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Miami | 13 | $9,461,300 |
| Afton | 4 | $1,798,500 |
| Quapaw | 1 | $2,990,000 |
| Fairland | 1 | $181,000 |
| Wyandotte | 1 | $20,300 |
Miami accounts for 13 approvals against 4 in Afton. 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.
Ottawa County
How large is Ottawa County?
- Land area471 sq mi
- Rank by land area among Oklahoma counties74th of 77
- Width, east to west21.5 mi
- Height, north to south22.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land64
- Establishments per square mile1.16
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.
Ottawa County
Flood risk in Ottawa County
- Participation of the county's own NFIP community Ottawa County, unincorporated areasParticipating, community 400154
- Communities in the county in the NFIP Community Status Book8
- Of those, participating in the NFIP5
- NFIP participation rate62.5 percent
- Communities carrying a CRS class0
- Radon levels in Ottawa 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 Ottawa County (community 400154), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Ottawa 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. 62.5 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 Ottawa 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 Ottawa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202430,341
- Households11,921
- Average household size2.55
- Median household income$49,947
- Median age37.2
Common questions
Ottawa County questions, answered from the record.
How many people live in Ottawa County, Oklahoma?
The Census Bureau estimates 30,404 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 30,341, in 11,921 households, ranking 32nd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ottawa County's population growing?
The population has grown 0.39 percent since the 2020 census base of 30,286, to 30,404 on July 1, 2024. In 2024 there were 409 births against 517 deaths, with net migration of 195. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ottawa County?
$49,947. The median owner-occupied home is valued at $123,300, which is 2.5 times income, and median gross rent is $788 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Ottawa County?
548 establishments, employing 8,370 people with an annual payroll of $355.9 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 Ottawa County?
Manufacturing is the largest private sector at 1,333 jobs, 10.3 percent of covered employment. Covered employment averages 12,934 jobs at an average annual pay of $45,301, or $871 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ottawa County?
20 7(a) approvals totaling $14.5 m since FY2020, across 12 lenders, with a median approval of $330,750, plus 2 504 approvals worth $1.8 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Ottawa County?
18 housing units were authorized by permit in 2024, with a declared construction value of $3.4 m. Multifamily was 11.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ottawa 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 Ottawa County come from?
The largest single origin is Delaware County, with 124 households. Arriving households report an average income of $43,109 against $37,115 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ottawa 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 Ottawa 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.
Ottawa County
Cities and places in Ottawa.
10 Census places lie wholly or partly in Ottawa County. All 10 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 |
|---|---|---|---|---|
| Miami | city | 12,926 | 13 | Wholly in this county |
| Commerce | city | 2,212 | None recorded | Wholly in this county |
| Fairland | town | 1,207 | 1 | Wholly in this county |
| Afton | town | 762 | 4 | Wholly in this county |
| Quapaw | town | 728 | 1 | Wholly in this county |
| Wyandotte | town | 465 | 1 | Wholly in this county |
| North Miami | town | 268 | None recorded | Wholly in this county |
| Dotyville | CDP | 248 | None recorded | Wholly in this county |
| Narcissa | CDP | 167 | None recorded | Wholly in this county |
| Peoria | town | 107 | None recorded | Wholly in this county |