Tulsa County, Oklahoma: commercial real estate data.
Tulsa County, Oklahoma had an estimated 693,514 residents on July 1, 2024, up 3.6 percent since the 2020 census base of 669,260, across 570 square miles. County output reached $59.30 bn in 2024, 19,556 establishments operate here, and the SBA record carries 752 7(a) approvals worth $469.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Tulsa County
How many people live in Tulsa County
- Population, American Community Survey 2020-2024680,794
- Households272,422
- Average household size2.50
- Median household income$69,009
- Median age36.0
- Median gross rent$1,110 per month
- Median owner-occupied home value$230,400
- Home value to household income3.3 times
- Annual rent as a share of median income19.3 percent
- Adults 25 and over with a bachelor degree or higher34.4 percent
- Adults 25 and over with a graduate degree12.0 percent
- Adults 25 and over447,730
- Population under 18170,559
- Share under 1825.1 percent
- Population 65 and over102,966
- Share 65 and over15.1 percent
- Working age population, 18 to 64407,269
- Civilian labor force347,254
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over68.1 percent
- Rank by population among Oklahoma counties2nd of 77
- Rank by population among US county-equivalents, Puerto Rico included100th of 3,222
Tulsa County is the 2nd largest of 77 Oklahoma counties by population. A median home costs 3.3 times median household income, which is moderately unaffordable by national standards. Residents under 18 outnumber those 65 and over, at 25.1 percent against 15.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Tulsa County
Is Tulsa County's population growing?
- Population, July 1, 2024693,514
- Census 2020 base population669,260
- Population change since the 2020 census base3.62 percent
- Population change, 2023 to 20247,103
- Births, 20248,596
- Deaths, 20246,567
- Natural change, 20242,029
- Net domestic migration, 202412
- Net international migration, 20245,046
- Total net migration, 20245,058
- Cumulative net domestic migration, 2021 to 20242,995
- Rank by growth among US county-equivalents752nd of 3,144
The county has grown 3.62 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.
Tulsa County
Where are people moving to Tulsa County from?
- Tax returns filed by households arriving15,962
- People arriving, from those returns29,190
- Tax returns filed by households leaving15,523
- Net household movement439
- Adjusted gross income arriving$1.06 bn
- Net adjusted gross income movement$11.9 m
- Average income of an arriving household$66,466
- Average income of a leaving household$67,580
- Largest single originWagoner County (1,322 households)
- Largest single destinationWagoner County (1,964 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wagoner County | 1,322 | 2,554 | $69.9 m |
| Rogers County | 1,201 | 2,188 | $70.2 m |
| Creek County | 972 | 1,858 | $50.0 m |
| Oklahoma County | 644 | 1,032 | $43.2 m |
| Osage County | 586 | 1,156 | $24.7 m |
| Muskogee County | 323 | 555 | $16.6 m |
| Payne County | 288 | 417 | $13.8 m |
| Okmulgee County | 286 | 525 | $11.6 m |
Households arriving report $1,114 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Wagoner 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.
Tulsa County
What is the Tulsa County economy?
- County GDP, 2024$59.30 bn
- County GDP, 2023$55.75 bn
- GDP change, 2023 to 20246.4 percent
- GDP change over five years40.9 percent
- Rank by GDP among the Oklahoma areas BEA publishes2nd of 77
- Rank by GDP among the US county areas BEA publishes102nd of 3,127
- GDP per resident$87,101
Output grew 6.4 percent in the latest year and 40.9 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.
Tulsa County
Employment by industry in Tulsa County
- Covered employment, annual average368,636
- Establishments reporting26,643
- Average annual pay$63,561
- Average weekly wage$1,222
- Health care and social assistance, employment57,643
- Health care and social assistance, average annual pay$65,993
- Manufacturing, employment40,519
- Manufacturing, average annual pay$76,661
- Retail trade, employment39,421
- Retail trade, average annual pay$38,532
- Accommodation and food services, employment35,744
- Accommodation and food services, average annual pay$23,742
- Administrative and support and waste management services, employment27,369
- Professional, scientific and technical services, employment21,595
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 57,643 | 2,884 | $65,993 |
| Manufacturing | 40,519 | 1,003 | $76,661 |
| Retail trade | 39,421 | 2,582 | $38,532 |
| Accommodation and food services | 35,744 | 1,865 | $23,742 |
| Administrative and support and waste management services | 27,369 | 2,213 | $49,625 |
| Professional, scientific and technical services | 21,595 | 4,525 | $87,898 |
| Construction | 20,486 | 2,170 | $69,053 |
| Wholesale trade | 15,322 | 1,842 | $84,145 |
Health care and social assistance is the largest private sector at 57,643 jobs, 15.6 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Tulsa County
How many businesses are in Tulsa County?
- Establishments, all industries19,556
- Employment at those establishments329,036
- Annual payroll$19.50 bn
- Establishments per 1,000 residents28.7
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.
Tulsa County
Building permits in Tulsa County
- Housing units authorized by permit, 20242,818
- Declared construction value permitted$683.9 m
- Single family units authorized2,224
- Multifamily units authorized594
- Multifamily share of units21.1 percent
- Average declared value per unit$242,688
- Units authorized per 1,000 households10.3
Single-family homes are 78.9 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Tulsa County
SBA loans in Tulsa County (7(a) and 504)
- 7(a) approvals recorded752
- 7(a) gross approval dollars$469.4 m
- Average 7(a) approval$624,246
- Median 7(a) approval$266,500
- 10th percentile approval$50,000
- 90th percentile approval$1,603,420
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)10,646
- Jobs per approval14.2
- Distinct 7(a) lenders active110
- Distinct industries receiving approvals250
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.8 percent
- Loans on real estate terms104
- Loans on working capital terms, 120 months or shorter583
- Franchise loans130
- Franchise share of approvals17.3 percent
- Leading industry by approval countFull-Service Restaurants (32)
- Most active lenderFirst Oklahoma Bank (66)
- 504 approvals recorded254
- 504 gross approval dollars$170.7 m
- Average 504 approval$671,906
- Median 504 approval$448,000
- Distinct CDCs active5
- 504 jobs per approval9.2
- 504 jobs per million dollars approved13.8
- Most active CDCSmall Business Capital Corporation (117)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$640.1 m
The average approval of $624,246 sits well above the median of $266,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 13.8 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.
Tulsa County
SBA loan default and charge-off rates in Tulsa County
Do SBA loans in Tulsa County get paid back?
- Loans with a final outcome recorded146
- Paid in full139
- Charged off7
- Charge-off rate on resolved loans4.8 percent
- Status: Cancelled90
- Status: Paid in full139
- Status: Exempt from disclosure478
- Status: Charged off7
- Status: Committed, not yet disbursed38
Of the 146 loans that have reached a final outcome, 4.8 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
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.
Tulsa County
SBA lending by place in Tulsa County
- Borrower cities with recorded lending14
- Tulsa, approvals498
- Broken Arrow, approvals87
- Owasso, approvals46
- Bixby, approvals35
- Jenks, approvals30
- Sand Springs, approvals19
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Tulsa | 498 | $332,400,500 |
| Broken Arrow | 87 | $51,828,400 |
| Owasso | 46 | $15,239,700 |
| Bixby | 35 | $13,700,400 |
| Jenks | 30 | $23,930,500 |
| Sand Springs | 19 | $18,066,600 |
| Collinsville | 14 | $2,662,200 |
| Glenpool | 11 | $9,114,800 |
| 6 other borrower cities | 12 | $2,490,200 |
Tulsa accounts for 498 approvals against 87 in Broken Arrow. 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.
Tulsa County
How large is Tulsa County?
- Land area570 sq mi
- Rank by land area among Oklahoma counties66th of 77
- Width, east to west30 mi
- Height, north to south39.2 mi
- Geographies sharing a boundary7
- Residents per square mile of land1,194
- Establishments per square mile34.31
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.
Tulsa County
Flood risk in Tulsa County
- Participation of the county's own NFIP community Tulsa County, unincorporated areasParticipating, community 400462
- Community Rating System class of the county's own communityClass 8
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP13
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 1
- Communities carrying a CRS class6
- Radon levels in Tulsa 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 Tulsa County (community 400462), participates in the National Flood Insurance Program and carries Community Rating System class 8, a flood insurance premium discount for policies written there. The EPA places Tulsa 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 1, which carries a flood insurance premium discount for policies written in that community. 100.0 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 Tulsa 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 Tulsa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-2024680,794
- Households272,422
- Average household size2.50
- Median household income$69,009
- Median age36.0
Common questions
Tulsa County questions, answered from the record.
How many people live in Tulsa County, Oklahoma?
The Census Bureau estimates 693,514 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 680,794, in 272,422 households, ranking 2nd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Tulsa County's population growing?
The population has grown 3.62 percent since the 2020 census base of 669,260, to 693,514 on July 1, 2024. In 2024 there were 8,596 births against 6,567 deaths, with net migration of 5,058. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Tulsa County?
$69,009. The median owner-occupied home is valued at $230,400, which is 3.3 times income, and median gross rent is $1,110 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Tulsa County?
19,556 establishments, employing 329,036 people with an annual payroll of $19.50 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Tulsa County?
Health care and social assistance is the largest private sector at 57,643 jobs, 15.6 percent of covered employment. Covered employment averages 368,636 jobs at an average annual pay of $63,561, or $1,222 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Tulsa County?
752 7(a) approvals totaling $469.4 m since FY2020, across 110 lenders, with a median approval of $266,500, plus 254 504 approvals worth $170.7 m since FY2010. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Tulsa County get paid back?
Of the 146 loans that have reached a final outcome, 139 were paid in full and 7 charged off, a charge-off rate of 4.8 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Tulsa County?
2,818 housing units were authorized by permit in 2024, with a declared construction value of $683.9 m. Multifamily was 21.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Tulsa 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 Tulsa County come from?
The largest single origin is Wagoner County, with 1,322 households. Arriving households report an average income of $66,466 against $67,580 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Tulsa 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 Tulsa 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.
Tulsa County
Cities and places in Tulsa.
17 Census places lie wholly or partly in Tulsa County. All 17 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 |
|---|---|---|---|---|
| Tulsa | city | 413,794 | 498 | 87.9 percent here, 6.7 percent Wagoner County, 5.3 percent Osage County |
| Broken Arrow | city | 118,180 | 87 | 66.1 percent here, 33.9 percent Wagoner County |
| Owasso | city | 40,151 | 46 | 80.3 percent here, 19.7 percent Rogers County |
| Bixby | city | 30,155 | 35 | 88.8 percent here, 11.2 percent Wagoner County |
| Jenks | city | 27,102 | 30 | Wholly in this county |
| Sapulpa | city | 22,570 | None recorded | 3.0 percent here, 97.0 percent Creek County |
| Sand Springs | city | 20,117 | 19 | 81.4 percent here, 18.6 percent Osage County |
| Glenpool | city | 14,151 | 11 | Wholly in this county |
| Collinsville | city | 8,878 | 14 | 98.0 percent here, 2.0 percent Rogers County |
| Skiatook | city | 8,632 | 3 | 60.8 percent here, 39.2 percent Osage County |
| Mannford | town | 3,269 | None recorded | 3.8 percent here, 94.0 percent Creek County, 2.2 percent Pawnee County |
| Turley | CDP | 2,968 | None recorded | Wholly in this county |
| Oakhurst | CDP | 2,175 | None recorded | 78.0 percent here, 22.0 percent Creek County |
| Sperry | town | 1,066 | 3 | 75.5 percent here, 24.5 percent Osage County |
| Liberty | town | 179 | None recorded | 53.5 percent here, 46.5 percent Okmulgee County |
| Leonard | CDP | 165 | None recorded | Wholly in this county |
| Lotsee | town | 4 | None recorded | Wholly in this county |
A further 6 of the county's 752 SBA 7(a) approvals are to borrowers in cities that match no Census place in Tulsa County, the largest being Mounds (3), Tontitown (1), Oologah (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.