HomeOklahomaPayne CountyStillwater city
Stillwater city, Oklahoma: commercial real estate data.
Stillwater city is a Census city of 49,269 people across 29.79 square miles of land, in Payne County. Median household income is $43,700, 37.1 percent of occupied homes are owned, and the SBA record carries 30 7(a) approvals to borrowers here worth $8.0 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Stillwater
What Stillwater is
- Census place typecity
- Land area29.79 sq mi
- Water area0.51 sq mi
- Population per square mile of land1,654
- County holding the largest share of its areaPayne County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
How many people live in Stillwater
- Population49,269
- Median age23.9
- Population under 187,016
- Share under 1814.2 percent
- Population 65 and over5,127
- Share 65 and over10.4 percent
- Households19,654
- Family households8,017
- Share of households that are families40.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
Income and work in Stillwater
- Median household income$43,700
- Per capita income$28,961
- Civilian labor force25,264
- Employed23,636
- Unemployed1,628 plus or minus 422
- Unemployment rate6.4 percent plus or minus 1.7
- Adults 25 and over23,232
- Adults 25 and over with a high school diploma or higher96.0 percent
- Adults 25 and over with a bachelor degree or higher49.9 percent
- Adults 25 and over with a graduate degree24.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
Housing in Stillwater
- Housing units22,353
- Occupied units19,654
- Vacant units2,699
- Vacancy rate12.1 percent
- Owner occupied7,292
- Renter occupied12,362
- Ownership rate37.1 percent
- Median owner-occupied home value$237,200
- Median gross rent, monthly$947
- Annual rent as a share of median income26.0 percent
- Single family units12,593
- Share single family56.3 percent
- Units in buildings of two or more8,749
- Share in buildings of two or more39.1 percent
- Mobile homes1,011 plus or minus 281
- Median year structure built1984
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
How Stillwater gets to work
- Workers 16 and over who commute21,009
- Commuting under 15 minutes13,583
- Share commuting under 15 minutes64.7 percent
- Commuting 30 minutes or more2,349
- Share commuting 30 minutes or more11.2 percent
- Drove alone69.0 percent
- Carpooled8.1 percent plus or minus 1.7
- Public transport0.8 percent plus or minus 0.5
- Walked8.0 percent
- Worked from home9.7 percent plus or minus 2.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Stillwater
SBA loans in Stillwater (7(a))
- Approvals30
- Gross approval$8,001,700
- Average approval$266,723
- Median approval$225,000
- Ninetieth percentile approval$855,000
- Largest approval$866,200
- Jobs supported261
- Jobs per approval8.7
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term96 months
- Share on real estate terms of 20 years or more3.3 percent
- Share to franchises23.3 percent
- Distinct lenders15
- Distinct industries by NAICS24
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stillwater
SBA loans in Stillwater (504)
- Approvals14
- Gross approval$10,455,000
- Average approval$746,786
- Median approval$735,000
- Largest approval$1,965,000
- Jobs supported131
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Payne County, not Stillwater
Payne County context, not Stillwater figures
These are Payne County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Stillwater measurements.
- Establishments in Payne County1,826
- Employment at those establishments, Payne County22,510
- Covered employment, Payne County35,198
- Average annual pay, Payne County$52,066
- Average weekly wage, Payne County$1,001
- Housing units permitted, Payne County145
- Of those, single family, Payne County131
- County product, 2024, Payne County$4,479,467,000
- County product change over the prior year, Payne County4.9 percent
- Average income of an arriving household, Payne County$50,166
Every figure in this section is published for Payne County as a whole and is not a measurement of Stillwater. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Stillwater questions, answered from the record.
How many people live in Stillwater, Oklahoma?
49,269, in 19,654 households. Stillwater city covers 29.79 square miles of land, which is 1,654 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Stillwater in?
Payne County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Stillwater?
$43,700. The median owner-occupied home is valued at $237,200. Median gross rent is $947 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Stillwater businesses?
30 7(a) approvals totalling $8.0 m, across 15 lenders, median approval $225,000, plus 14 504 approvals worth $10.5 m. These count approvals to borrowers whose address is in Stillwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Stillwater borrowers get paid back?
No rate is published for Stillwater. only 3 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Stillwater figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Payne County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Stillwater.
Is zoning published for Stillwater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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