Pontotoc County, Oklahoma: commercial real estate data.
Pontotoc County, Oklahoma had an estimated 38,310 residents on July 1, 2024, up 0.6 percent since the 2020 census base of 38,068, across 720 square miles. County output reached $2.83 bn in 2024, 969 establishments operate here, and the SBA record carries 31 7(a) approvals worth $26.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Pontotoc County
How many people live in Pontotoc County
- Population, American Community Survey 2020-202438,235
- Households15,134
- Average household size2.53
- Median household income$63,017
- Median age37.7
- Median gross rent$889 per month
- Median owner-occupied home value$175,400
- Home value to household income2.8 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher30.3 percent
- Adults 25 and over with a graduate degree11.7 percent
- Adults 25 and over25,247
- Population under 189,550
- Share under 1825.0 percent
- Population 65 and over6,504
- Share 65 and over17.0 percent
- Working age population, 18 to 6422,181
- Civilian labor force18,267
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over63.7 percent
- Rank by population among Oklahoma counties28th of 77
- Rank by population among US county-equivalents, Puerto Rico included1242nd of 3,222
Pontotoc County is the 28th largest of 77 Oklahoma counties by population. A median home costs 2.8 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 25.0 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pontotoc County
Is Pontotoc County's population growing?
- Population, July 1, 202438,310
- Census 2020 base population38,068
- Population change since the 2020 census base0.64 percent
- Population change, 2023 to 2024-196
- Births, 2024454
- Deaths, 2024489
- Natural change, 2024-35
- Net domestic migration, 2024-199
- Net international migration, 202440
- Total net migration, 2024-159
- Cumulative net domestic migration, 2021 to 2024351
- Rank by growth among US county-equivalents1605th of 3,144
The county has grown 0.64 percent since the 2020 census base. The population fell in 2024 from both sources: deaths exceeded births and more people left than moved in.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Pontotoc County
Where are people moving to Pontotoc County from?
- Tax returns filed by households arriving881
- People arriving, from those returns1,656
- Tax returns filed by households leaving937
- Net household movement-56
- Adjusted gross income arriving$40.1 m
- Net adjusted gross income movement$-10.8 m
- Average income of an arriving household$45,554
- Average income of a leaving household$54,358
- Largest single originGarvin County (66 households)
- Largest single destinationOklahoma County (102 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garvin County | 66 | 142 | $2.9 m |
| Oklahoma County | 52 | 85 | $2.4 m |
| Seminole County | 48 | 108 | $1.5 m |
| Cleveland County | 42 | 67 | $2.1 m |
| Hughes County | 35 | 80 | $1.3 m |
| Murray County | 35 | 71 | $1.3 m |
| Coal County | 32 | 58 | $1.1 m |
| Pottawatomie County | 32 | 68 | $1.3 m |
Households arriving report $8,804 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Garvin 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.
Pontotoc County
What is the Pontotoc County economy?
- County GDP, 2024$2.83 bn
- County GDP, 2023$2.70 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years34.6 percent
- Rank by GDP among the Oklahoma areas BEA publishes15th of 77
- Rank by GDP among the US county areas BEA publishes1020th of 3,127
- GDP per resident$73,971
Output grew 4.7 percent in the latest year and 34.6 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.
Pontotoc County
Employment by industry in Pontotoc County
- Covered employment, annual average20,389
- Establishments reporting1,188
- Average annual pay$57,572
- Average weekly wage$1,107
- Health care and social assistance, employment2,690
- Health care and social assistance, average annual pay$53,142
- Retail trade, employment1,736
- Retail trade, average annual pay$32,212
- Manufacturing, employment1,536
- Manufacturing, average annual pay$59,327
- Accommodation and food services, employment1,180
- Accommodation and food services, average annual pay$20,070
- Professional, scientific and technical services, employment743
- Construction, employment640
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 2,690 | 131 | $53,142 |
| Retail trade | 1,736 | 143 | $32,212 |
| Manufacturing | 1,536 | 34 | $59,327 |
| Accommodation and food services | 1,180 | 76 | $20,070 |
| Professional, scientific and technical services | 743 | 118 | $57,188 |
| Construction | 640 | 79 | $58,139 |
| Finance and insurance | 468 | 74 | $63,636 |
| Administrative and support and waste management services | 460 | 74 | $48,101 |
Health care and social assistance is the largest private sector at 2,690 jobs, 13.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Pontotoc County
How many businesses are in Pontotoc County?
- Establishments, all industries969
- Employment at those establishments13,368
- Annual payroll$656.7 m
- Establishments per 1,000 residents25.3
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.
Pontotoc County
Building permits in Pontotoc County
- Housing units authorized by permit, 20242
- Declared construction value permitted$1.1 m
- Single family units authorized2
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$550,000
- Units authorized per 1,000 households0.1
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.
Pontotoc County
SBA loans in Pontotoc County (7(a) and 504)
- 7(a) approvals recorded31
- 7(a) gross approval dollars$26.7 m
- Average 7(a) approval$861,332
- Median 7(a) approval$550,000
- 10th percentile approval$63,000
- 90th percentile approval$2,070,000
- Largest single approval$3,800,000
- Jobs reported supported, 7(a)225
- Jobs per approval7.3
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals20
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.0 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter22
- Franchise loans2
- Franchise share of approvals6.5 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (6)
- 504 approvals recorded6
- 504 gross approval dollars$2.1 m
- Average 504 approval$358,167
- Median 504 approval$279,500
- Distinct CDCs active2
- 504 jobs per approval10.3
- 504 jobs per million dollars approved28.9
- Most active CDCRural Enterprises of Oklahoma, Inc. (5)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$28.9 m
The average approval of $861,332 sits well above the median of $550,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 29.0 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.
Pontotoc County
SBA loan default and charge-off rates in Pontotoc County
Do SBA loans in Pontotoc County get paid back?
- Loans with a final outcome recorded4
- Paid in full2
- Charged off2
- Status: Exempt from disclosure21
- Status: Charged off2
- Status: Cancelled6
- Status: Paid in full2
Only 4 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.
Pontotoc County
How large is Pontotoc County?
- Land area720 sq mi
- Rank by land area among Oklahoma counties50th of 77
- Width, east to west29.9 mi
- Height, north to south31.7 mi
- Geographies sharing a boundary8
- Residents per square mile of land53
- Establishments per square mile1.35
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.
Pontotoc County
Flood risk in Pontotoc County
- Participation of the county's own NFIP community Pontotoc County, unincorporated areasParticipating, community 400495
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Pontotoc 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 Pontotoc County (community 400495), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Pontotoc 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. 83.3 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 Pontotoc 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 Pontotoc County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202438,235
- Households15,134
- Average household size2.53
- Median household income$63,017
- Median age37.7
Common questions
Pontotoc County questions, answered from the record.
How many people live in Pontotoc County, Oklahoma?
The Census Bureau estimates 38,310 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 38,235, in 15,134 households, ranking 28th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pontotoc County's population growing?
The population has grown 0.64 percent since the 2020 census base of 38,068, to 38,310 on July 1, 2024. In 2024 there were 454 births against 489 deaths, with net migration of -159. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pontotoc County?
$63,017. The median owner-occupied home is valued at $175,400, which is 2.8 times income, and median gross rent is $889 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Pontotoc County?
969 establishments, employing 13,368 people with an annual payroll of $656.7 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 Pontotoc County?
Health care and social assistance is the largest private sector at 2,690 jobs, 13.2 percent of covered employment. Covered employment averages 20,389 jobs at an average annual pay of $57,572, or $1,107 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pontotoc County?
31 7(a) approvals totaling $26.7 m since FY2020, across 22 lenders, with a median approval of $550,000, plus 6 504 approvals worth $2.1 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Pontotoc County?
2 housing units were authorized by permit in 2024, with a declared construction value of $1.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pontotoc 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 Pontotoc County come from?
The largest single origin is Garvin County, with 66 households. Arriving households report an average income of $45,554 against $54,358 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Pontotoc 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 Pontotoc 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.
Pontotoc County
Cities and places in Pontotoc.
11 Census places lie wholly or partly in Pontotoc 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 |
|---|---|---|---|---|
| Ada | city | 16,575 | 31 | Wholly in this county |
| Latta | CDP | 1,405 | None recorded | Wholly in this county |
| Byng | town | 1,316 | None recorded | Wholly in this county |
| Pickett | CDP | 897 | None recorded | Wholly in this county |
| Allen | town | 883 | None recorded | 83.5 percent here, 16.5 percent Hughes County |
| Roff | town | 719 | None recorded | Wholly in this county |
| Stonewall | town | 445 | None recorded | Wholly in this county |
| Francis | town | 310 | None recorded | Wholly in this county |
| Fitzhugh | town | 197 | None recorded | Wholly in this county |
| Vanoss | CDP | 120 | None recorded | Wholly in this county |
| Fittstown | CDP | 28 | None recorded | Wholly in this county |