Payne County, Oklahoma: commercial real estate data.
Payne County, Oklahoma had an estimated 84,199 residents on July 1, 2024, up 3.1 percent since the 2020 census base of 81,646, across 685 square miles. County output reached $4.48 bn in 2024, 1,826 establishments operate here, and the SBA record carries 42 7(a) approvals worth $16.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Payne County
How many people live in Payne County
- Population, American Community Survey 2020-202482,972
- Households32,609
- Average household size2.54
- Median household income$49,809
- Median age27.7
- Median gross rent$917 per month
- Median owner-occupied home value$223,300
- Home value to household income4.5 times
- Annual rent as a share of median income22.1 percent
- Adults 25 and over with a bachelor degree or higher39.7 percent
- Adults 25 and over with a graduate degree18.0 percent
- Adults 25 and over45,211
- Population under 1815,294
- Share under 1818.4 percent
- Population 65 and over10,913
- Share 65 and over13.2 percent
- Working age population, 18 to 6456,765
- Civilian labor force40,838
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over60.3 percent
- Rank by population among Oklahoma counties8th of 77
- Rank by population among US county-equivalents, Puerto Rico included708th of 3,222
Payne County is the 8th largest of 77 Oklahoma counties by population. A median home costs 4.5 times median household income, which is seriously unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 18.4 percent against 13.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Payne County
Is Payne County's population growing?
- Population, July 1, 202484,199
- Census 2020 base population81,646
- Population change since the 2020 census base3.13 percent
- Population change, 2023 to 2024380
- Births, 2024748
- Deaths, 2024689
- Natural change, 202459
- Net domestic migration, 2024-433
- Net international migration, 2024744
- Total net migration, 2024311
- Cumulative net domestic migration, 2021 to 2024236
- Rank by growth among US county-equivalents839th of 3,144
The county has grown 3.13 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.
Payne County
Where are people moving to Payne County from?
- Tax returns filed by households arriving2,434
- People arriving, from those returns4,333
- Tax returns filed by households leaving2,772
- Net household movement-338
- Adjusted gross income arriving$122.1 m
- Net adjusted gross income movement$-17.9 m
- Average income of an arriving household$50,166
- Average income of a leaving household$50,522
- Largest single originOklahoma County (213 households)
- Largest single destinationOklahoma County (358 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oklahoma County | 213 | 339 | $9.7 m |
| Tulsa County | 203 | 337 | $9.0 m |
| Lincoln County | 103 | 200 | $4.2 m |
| Creek County | 95 | 172 | $3.4 m |
| Noble County | 79 | 151 | $3.5 m |
| Kay County | 67 | 116 | $2.8 m |
| Cleveland County | 66 | 113 | $2.7 m |
| Pawnee County | 54 | 105 | $1.6 m |
Households arriving report $356 less average income than households leaving, which drains spending power even where headcount holds up. 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.
Payne County
What is the Payne County economy?
- County GDP, 2024$4.48 bn
- County GDP, 2023$4.27 bn
- GDP change, 2023 to 20244.9 percent
- GDP change over five years31.7 percent
- Rank by GDP among the Oklahoma areas BEA publishes8th of 77
- Rank by GDP among the US county areas BEA publishes757th of 3,127
- GDP per resident$53,988
Output grew 4.9 percent in the latest year and 31.7 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.
Payne County
Employment by industry in Payne County
- Covered employment, annual average35,198
- Establishments reporting2,318
- Average annual pay$52,066
- Average weekly wage$1,001
- Accommodation and food services, employment4,897
- Accommodation and food services, average annual pay$19,170
- Retail trade, employment4,029
- Retail trade, average annual pay$31,594
- Health care and social assistance, employment2,280
- Health care and social assistance, average annual pay$43,731
- Construction, employment1,646
- Construction, average annual pay$68,108
- Manufacturing, employment1,321
- Professional, scientific and technical services, employment1,315
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Accommodation and food services | 4,897 | 212 | $19,170 |
| Retail trade | 4,029 | 295 | $31,594 |
| Health care and social assistance | 2,280 | 199 | $43,731 |
| Construction | 1,646 | 230 | $68,108 |
| Manufacturing | 1,321 | 68 | $60,762 |
| Professional, scientific and technical services | 1,315 | 310 | $69,256 |
| Administrative and support and waste management services | 1,265 | 149 | $40,313 |
| Other services, except public administration | 843 | 135 | $50,484 |
Accommodation and food services is the largest private sector at 4,897 jobs, 13.9 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Payne County
How many businesses are in Payne County?
- Establishments, all industries1,826
- Employment at those establishments22,510
- Annual payroll$931.9 m
- Establishments per 1,000 residents22.0
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.
Payne County
Building permits in Payne County
- Housing units authorized by permit, 2024145
- Declared construction value permitted$33.7 m
- Single family units authorized131
- Multifamily units authorized14
- Multifamily share of units9.7 percent
- Average declared value per unit$232,509
- Units authorized per 1,000 households4.4
Single-family homes are 90.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Payne County
SBA loans in Payne County (7(a) and 504)
- 7(a) approvals recorded42
- 7(a) gross approval dollars$16.1 m
- Average 7(a) approval$384,067
- Median 7(a) approval$236,500
- 10th percentile approval$50,000
- 90th percentile approval$851,810
- Largest single approval$2,371,000
- Jobs reported supported, 7(a)394
- Jobs per approval9.4
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals32
- Median 7(a) term96 months
- Share of loans on real estate terms, 240 months or longer7.1 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter35
- Franchise loans11
- Franchise share of approvals26.2 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (3)
- 504 approvals recorded15
- 504 gross approval dollars$10.9 m
- Average 504 approval$724,733
- Median 504 approval$636,000
- Distinct CDCs active2
- 504 jobs per approval9.3
- 504 jobs per million dollars approved12.8
- Most active CDCRural Enterprises of Oklahoma, Inc. (12)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$27.0 m
The average approval of $384,067 sits well above the median of $236,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 7.1 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.
Payne County
SBA loan default and charge-off rates in Payne County
Do SBA loans in Payne County get paid back?
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure30
- Status: Cancelled3
- Status: Paid in full8
- Status: Committed, not yet disbursed1
Only 8 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.
Payne County
SBA lending by place in Payne County
- Borrower cities with recorded lending6
- Stillwater, approvals30
- Cushing, approvals7
- Yale, approvals2
- Glencoe, approvals1
- Ardmore, approvals1
- Perkins, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Stillwater | 30 | $8,001,700 |
| Cushing | 7 | $4,659,600 |
| Yale | 2 | $616,400 |
| Glencoe | 1 | $2,370,000 |
| Ardmore | 1 | $271,600 |
| Perkins | 1 | $211,500 |
Stillwater accounts for 30 approvals against 7 in Cushing. 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.
Payne County
How large is Payne County?
- Land area685 sq mi
- Rank by land area among Oklahoma counties53rd of 77
- Width, east to west41 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land121
- Establishments per square mile2.67
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.
Payne County
Flood risk in Payne County
- Participation of the county's own NFIP community Payne County, unincorporated areasParticipating, community 400493
- Communities in the county in the NFIP Community Status Book7
- Of those, participating in the NFIP5
- NFIP participation rate71.4 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class1
- Radon levels in Payne 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 Payne County (community 400493), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Payne 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 7, which carries a flood insurance premium discount for policies written in that community. 71.4 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 Payne 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 Payne County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202482,972
- Households32,609
- Average household size2.54
- Median household income$49,809
- Median age27.7
Common questions
Payne County questions, answered from the record.
How many people live in Payne County, Oklahoma?
The Census Bureau estimates 84,199 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 82,972, in 32,609 households, ranking 8th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Payne County's population growing?
The population has grown 3.13 percent since the 2020 census base of 81,646, to 84,199 on July 1, 2024. In 2024 there were 748 births against 689 deaths, with net migration of 311. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Payne County?
$49,809. The median owner-occupied home is valued at $223,300, which is 4.5 times income, and median gross rent is $917 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Payne County?
1,826 establishments, employing 22,510 people with an annual payroll of $931.9 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 Payne County?
Accommodation and food services is the largest private sector at 4,897 jobs, 13.9 percent of covered employment. Covered employment averages 35,198 jobs at an average annual pay of $52,066, or $1,001 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Payne County?
42 7(a) approvals totaling $16.1 m since FY2020, across 19 lenders, with a median approval of $236,500, plus 15 504 approvals worth $10.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Payne County?
145 housing units were authorized by permit in 2024, with a declared construction value of $33.7 m. Multifamily was 9.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Payne 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 Payne County come from?
The largest single origin is Oklahoma County, with 213 households. Arriving households report an average income of $50,166 against $50,522 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Payne 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 Payne 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.
Payne County
Cities and places in Payne.
11 Census places lie wholly or partly in Payne County. All 11 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 |
|---|---|---|---|---|
| Stillwater | city | 49,269 | 30 | Wholly in this county |
| Cushing | city | 8,367 | 7 | Wholly in this county |
| Perkins | city | 3,262 | 1 | Wholly in this county |
| Yale | city | 998 | 2 | Wholly in this county |
| Glencoe | town | 516 | 1 | Wholly in this county |
| Ripley | town | 259 | None recorded | Wholly in this county |
| Mulhall | town | 257 | None recorded | 63.8 percent here, 36.2 percent Logan County |
| Ingalls | CDP | 229 | None recorded | Wholly in this county |
| Orlando | town | 106 | None recorded | 26.9 percent here, 73.1 percent Logan County |
| Mehan | CDP | 22 | None recorded | Wholly in this county |
| Quay | CDP | 0 | None recorded | 48.6 percent here, 51.4 percent Pawnee County |
A further 1 of the county's 42 SBA 7(a) approvals are to borrowers in cities that match no Census place in Payne County, the largest being Ardmore (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