HomeOklahomaPayne CountyStillwater
Stillwater, Oklahoma: commercial real estate data.
Stillwater 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 since FY2020.
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$187,500
- Ninetieth percentile approval$760,500
- Largest approval$866,200
- Jobs supported261
- Jobs per approval8.7
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term90 months
- Share on real estate terms of 20 years or more3.3 percent
- Share to franchises23.3 percent
- Distinct lenders15
- Distinct industries by NAICS24
Counted by borrower city: approvals to borrowers whose address is in Stillwater, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$685,500
- Largest approval$1,965,000
- Jobs supported131
- Loans with a final outcome2
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Stillwater, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Stillwater
Flood risk in Stillwater
- NFIP communityCity of Stillwater
- NFIP community number405380
- Participating in the NFIPYes
- Community Rating System classClass 7
- Currently effective map date05/16/07
The City of Stillwater participates in the National Flood Insurance Program as community 405380 and carries Community Rating System class 7, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Payne County, not Stillwater
Payne County context, not Stillwater figures
- Establishments in Payne County1,826
- Covered employment, Payne County35,198
- Average annual pay, Payne County$52,066
- Housing units permitted, Payne County145
Every figure in this section is published for Payne County as a whole and is not a measurement of Stillwater.
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
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 totaling $8.0 m since FY2020, across 15 lenders, median approval $187,500, plus 14 504 approvals worth $10.5 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Stillwater in the National Flood Insurance Program?
Yes. Stillwater appears in the FEMA Community Status Book as Stillwater, city of, community 405380, carrying Community Rating System class 7, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Stillwater figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.
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