Stephens County, Oklahoma: commercial real estate data.
Stephens County, Oklahoma had an estimated 44,075 residents on July 1, 2024, up 2.9 percent since the 2020 census base of 42,847, across 870 square miles. County output reached $2.93 bn in 2024, 1,080 establishments operate here, and the SBA record carries 53 7(a) approvals worth $18.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Stephens County
How many people live in Stephens County
- Population, American Community Survey 2020-202443,551
- Households17,567
- Average household size2.48
- Median household income$61,620
- Median age41.0
- Median gross rent$895 per month
- Median owner-occupied home value$145,300
- Home value to household income2.4 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over30,321
- Population under 189,912
- Share under 1822.8 percent
- Population 65 and over9,042
- Share 65 and over20.8 percent
- Working age population, 18 to 6424,597
- Civilian labor force18,923
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over56.3 percent
- Rank by population among Oklahoma counties24th of 77
- Rank by population among US county-equivalents, Puerto Rico included1137th of 3,222
Stephens County is the 24th largest of 77 Oklahoma counties by population. A median home costs 2.4 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.8 percent against 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stephens County
Is Stephens County's population growing?
- Population, July 1, 202444,075
- Census 2020 base population42,847
- Population change since the 2020 census base2.87 percent
- Population change, 2023 to 20249
- Births, 2024455
- Deaths, 2024627
- Natural change, 2024-172
- Net domestic migration, 2024108
- Net international migration, 202474
- Total net migration, 2024182
- Cumulative net domestic migration, 2021 to 20241,858
- Rank by growth among US county-equivalents905th of 3,144
The county has grown 2.87 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.
Stephens County
Where are people moving to Stephens County from?
- Tax returns filed by households arriving1,057
- People arriving, from those returns2,147
- Tax returns filed by households leaving760
- Net household movement297
- Adjusted gross income arriving$46.7 m
- Net adjusted gross income movement$14.3 m
- Average income of an arriving household$44,157
- Average income of a leaving household$42,638
- Largest single originComanche County (119 households)
- Largest single destinationComanche County (94 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Comanche County | 119 | 268 | $4.8 m |
| Grady County | 63 | 126 | $2.8 m |
| Oklahoma County | 61 | 107 | $2.2 m |
| Cleveland County | 39 | 76 | $1.7 m |
| Tarrant County | 38 | 64 | $1.7 m |
| Jefferson County | 29 | 62 | $946,000 |
| Carter County | 26 | 40 | $997,000 |
| Garvin County | 20 | 39 | $759,000 |
Households arriving report $1,519 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 Comanche 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.
Stephens County
What is the Stephens County economy?
- County GDP, 2024$2.93 bn
- County GDP, 2023$2.90 bn
- GDP change, 2023 to 20240.9 percent
- GDP change over five years68.0 percent
- Rank by GDP among the Oklahoma areas BEA publishes13th of 77
- Rank by GDP among the US county areas BEA publishes994th of 3,127
- GDP per resident$67,201
Output grew 0.9 percent in the latest year and 68.0 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.
Stephens County
Employment by industry in Stephens County
- Covered employment, annual average15,058
- Establishments reporting1,198
- Average annual pay$52,784
- Average weekly wage$1,015
- Health care and social assistance, employment3,112
- Health care and social assistance, average annual pay$47,263
- Manufacturing, employment1,865
- Manufacturing, average annual pay$76,113
- Retail trade, employment1,744
- Retail trade, average annual pay$30,051
- Accommodation and food services, employment1,139
- Accommodation and food services, average annual pay$20,354
- Transportation and warehousing, employment787
- Administrative and support and waste management services, employment740
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 3,112 | 149 | $47,263 |
| Manufacturing | 1,865 | 62 | $76,113 |
| Retail trade | 1,744 | 161 | $30,051 |
| Accommodation and food services | 1,139 | 72 | $20,354 |
| Transportation and warehousing | 787 | 44 | $61,402 |
| Administrative and support and waste management services | 740 | 69 | $71,683 |
| Construction | 626 | 86 | $62,718 |
| Finance and insurance | 530 | 75 | $52,951 |
Health care and social assistance is the largest private sector at 3,112 jobs, 20.7 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Stephens County
How many businesses are in Stephens County?
- Establishments, all industries1,080
- Employment at those establishments12,439
- Annual payroll$568.9 m
- Establishments per 1,000 residents24.8
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.
Stephens County
Building permits in Stephens County
- Housing units authorized by permit, 202416
- Declared construction value permitted$4.2 m
- Single family units authorized16
- Multifamily units authorized0
- Multifamily share of units0.0 percent
- Average declared value per unit$262,023
- Units authorized per 1,000 households0.9
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.
Stephens County
SBA loans in Stephens County (7(a) and 504)
- 7(a) approvals recorded53
- 7(a) gross approval dollars$18.8 m
- Average 7(a) approval$354,649
- Median 7(a) approval$95,400
- 10th percentile approval$15,000
- 90th percentile approval$678,000
- Largest single approval$3,794,000
- Jobs reported supported, 7(a)499
- Jobs per approval9.4
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals27
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer11.3 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter41
- Franchise loans3
- Franchise share of approvals5.7 percent
- Leading industry by approval countSupport Activities for Oil and Gas Operations (7)
- Most active lenderLegacy Bank (26)
- 504 approvals recorded7
- 504 gross approval dollars$1.4 m
- Average 504 approval$201,714
- Median 504 approval$107,000
- Distinct CDCs active2
- 504 jobs per approval2.9
- 504 jobs per million dollars approved14.2
- Most active CDCRural Enterprises of Oklahoma, Inc. (6)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$20.2 m
The average approval of $354,649 sits well above the median of $95,400, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 11.3 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.
Stephens County
SBA loan default and charge-off rates in Stephens County
Do SBA loans in Stephens County get paid back?
- Loans with a final outcome recorded27
- Paid in full27
- Charged off0
- Status: Paid in full27
- Status: Exempt from disclosure20
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Only 27 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.
Stephens County
SBA lending by place in Stephens County
- Borrower cities with recorded lending4
- Duncan, approvals29
- Marlow, approvals12
- Comanche, approvals7
- Velma, approvals5
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Duncan | 29 | $11,102,300 |
| Marlow | 12 | $1,746,800 |
| Comanche | 7 | $2,290,300 |
| Velma | 5 | $3,657,000 |
Duncan accounts for 29 approvals against 12 in Marlow. 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.
Stephens County
How large is Stephens County?
- Land area870 sq mi
- Rank by land area among Oklahoma counties34th of 77
- Width, east to west33 mi
- Height, north to south27.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land50
- Establishments per square mile1.24
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.
Stephens County
Flood risk in Stephens County
- Participation of the county's own NFIP community Stephens County, unincorporated areasParticipating, community 400498
- 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 Stephens 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 Stephens County (community 400498), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Stephens 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 Stephens 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 Stephens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202443,551
- Households17,567
- Average household size2.48
- Median household income$61,620
- Median age41.0
Common questions
Stephens County questions, answered from the record.
How many people live in Stephens County, Oklahoma?
The Census Bureau estimates 44,075 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 43,551, in 17,567 households, ranking 24th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stephens County's population growing?
The population has grown 2.87 percent since the 2020 census base of 42,847, to 44,075 on July 1, 2024. In 2024 there were 455 births against 627 deaths, with net migration of 182. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stephens County?
$61,620. The median owner-occupied home is valued at $145,300, which is 2.4 times income, and median gross rent is $895 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Stephens County?
1,080 establishments, employing 12,439 people with an annual payroll of $568.9 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 Stephens County?
Health care and social assistance is the largest private sector at 3,112 jobs, 20.7 percent of covered employment. Covered employment averages 15,058 jobs at an average annual pay of $52,784, or $1,015 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stephens County?
53 7(a) approvals totaling $18.8 m since FY2020, across 13 lenders, with a median approval of $95,400, plus 7 504 approvals worth $1.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Stephens County?
16 housing units were authorized by permit in 2024, with a declared construction value of $4.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stephens 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 Stephens County come from?
The largest single origin is Comanche County, with 119 households. Arriving households report an average income of $44,157 against $42,638 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Stephens 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 Stephens 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.
Stephens County
Cities and places in Stephens.
9 Census places lie wholly or partly in Stephens County. All 9 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 |
|---|---|---|---|---|
| Duncan | city | 22,958 | 29 | Wholly in this county |
| Marlow | city | 4,451 | 12 | Wholly in this county |
| Comanche | city | 1,545 | 7 | Wholly in this county |
| Central High | town | 1,489 | None recorded | Wholly in this county |
| Bray | town | 979 | None recorded | Wholly in this county |
| Sunray | CDP | 854 | None recorded | Wholly in this county |
| Empire City | town | 794 | None recorded | Wholly in this county |
| Velma | town | 590 | 5 | Wholly in this county |
| Loco | town | 94 | None recorded | Wholly in this county |
Nearby