Wagoner County, Oklahoma: commercial real estate data.
Wagoner County, Oklahoma had an estimated 91,257 residents on July 1, 2024, up 12.7 percent since the 2020 census base of 80,997, across 562 square miles. County output reached $2.00 bn in 2024, 1,128 establishments operate here, and the SBA record carries 65 7(a) approvals worth $22.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Wagoner County
How many people live in Wagoner County
- Population, American Community Survey 2020-202486,609
- Households31,379
- Average household size2.76
- Median household income$81,207
- Median age38.9
- Median gross rent$1,068 per month
- Median owner-occupied home value$234,800
- Home value to household income2.9 times
- Annual rent as a share of median income15.8 percent
- Adults 25 and over with a bachelor degree or higher27.7 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over59,465
- Population under 1820,460
- Share under 1823.6 percent
- Population 65 and over14,797
- Share 65 and over17.1 percent
- Working age population, 18 to 6451,352
- Civilian labor force43,216
- Unemployment rate4.2 percent
- Labor force participation, adults 18 and over65.3 percent
- Rank by population among Oklahoma counties7th of 77
- Rank by population among US county-equivalents, Puerto Rico included681st of 3,222
Wagoner County is the 7th largest of 77 Oklahoma counties by population. A median home costs 2.9 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 23.6 percent against 17.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Wagoner County
Is Wagoner County's population growing?
- Population, July 1, 202491,257
- Census 2020 base population80,997
- Population change since the 2020 census base12.67 percent
- Population change, 2023 to 20241,882
- Births, 2024923
- Deaths, 2024852
- Natural change, 202471
- Net domestic migration, 20241,570
- Net international migration, 2024241
- Total net migration, 20241,811
- Cumulative net domestic migration, 2021 to 20249,141
- Rank by growth among US county-equivalents97th of 3,144
The county has grown 12.67 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.
Wagoner County
Where are people moving to Wagoner County from?
- Tax returns filed by households arriving3,795
- People arriving, from those returns7,687
- Tax returns filed by households leaving2,695
- Net household movement1,100
- Adjusted gross income arriving$259.6 m
- Net adjusted gross income movement$108.2 m
- Average income of an arriving household$68,397
- Average income of a leaving household$56,150
- Largest single originTulsa County (1,964 households)
- Largest single destinationTulsa County (1,322 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Tulsa County | 1,964 | 3,997 | $149.0 m |
| Rogers County | 182 | 336 | $9.6 m |
| Muskogee County | 180 | 395 | $8.9 m |
| Creek County | 72 | 138 | $3.5 m |
| Oklahoma County | 69 | 126 | $4.0 m |
| Mayes County | 59 | 114 | $2.6 m |
| Cherokee County | 53 | 98 | $2.2 m |
| Payne County | 25 | 45 | $1.5 m |
Households arriving report $12,247 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 Tulsa 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.
Wagoner County
What is the Wagoner County economy?
- County GDP, 2024$2.00 bn
- County GDP, 2023$1.90 bn
- GDP change, 2023 to 20244.9 percent
- GDP change over five years32.1 percent
- Rank by GDP among the Oklahoma areas BEA publishes25th of 77
- Rank by GDP among the US county areas BEA publishes1285th of 3,127
- GDP per resident$23,065
Output grew 4.9 percent in the latest year and 32.1 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.
Wagoner County
Employment by industry in Wagoner County
- Covered employment, annual average11,273
- Establishments reporting1,140
- Average annual pay$55,030
- Average weekly wage$1,058
- Construction, employment1,833
- Construction, average annual pay$73,052
- Manufacturing, employment1,752
- Manufacturing, average annual pay$82,899
- Retail trade, employment1,683
- Retail trade, average annual pay$30,620
- Health care and social assistance, employment1,033
- Health care and social assistance, average annual pay$45,603
- Accommodation and food services, employment1,017
- Other services, except public administration, employment399
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Construction | 1,833 | 183 | $73,052 |
| Manufacturing | 1,752 | 46 | $82,899 |
| Retail trade | 1,683 | 117 | $30,620 |
| Health care and social assistance | 1,033 | 82 | $45,603 |
| Accommodation and food services | 1,017 | 77 | $19,255 |
| Other services, except public administration | 399 | 70 | $62,654 |
| Wholesale trade | 374 | 70 | $88,227 |
| Professional, scientific and technical services | 342 | 145 | $56,750 |
Construction is the largest private sector at 1,833 jobs, 16.3 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Wagoner County
How many businesses are in Wagoner County?
- Establishments, all industries1,128
- Employment at those establishments9,948
- Annual payroll$492.2 m
- Establishments per 1,000 residents13.0
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.
Wagoner County
Building permits in Wagoner County
- Housing units authorized by permit, 2024581
- Declared construction value permitted$140.6 m
- Single family units authorized575
- Multifamily units authorized6
- Multifamily share of units1.0 percent
- Average declared value per unit$242,079
- Units authorized per 1,000 households18.5
Single-family homes are 99.0 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Wagoner County
SBA loans in Wagoner County (7(a) and 504)
- 7(a) approvals recorded65
- 7(a) gross approval dollars$22.4 m
- Average 7(a) approval$344,115
- Median 7(a) approval$250,000
- 10th percentile approval$25,000
- 90th percentile approval$844,100
- Largest single approval$1,600,000
- Jobs reported supported, 7(a)655
- Jobs per approval10.1
- Distinct 7(a) lenders active24
- Distinct industries receiving approvals40
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.8 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter44
- Franchise loans9
- Franchise share of approvals13.8 percent
- Leading industry by approval countFull-Service Restaurants (6)
- Most active lenderBancFirst (17)
- 504 approvals recorded4
- 504 gross approval dollars$2.4 m
- Average 504 approval$591,000
- Median 504 approval$604,000
- Distinct CDCs active2
- 504 jobs per approval12.3
- 504 jobs per million dollars approved20.7
- Most active CDCSmall Business Capital Corporation (3)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$24.7 m
The average approval of $344,115 sits well above the median of $250,000, 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.
Wagoner County
SBA loan default and charge-off rates in Wagoner County
Do SBA loans in Wagoner County get paid back?
- Loans with a final outcome recorded23
- Paid in full21
- Charged off2
- Status: Paid in full21
- Status: Cancelled6
- Status: Exempt from disclosure33
- Status: Charged off2
- Status: Committed, not yet disbursed3
Only 23 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.
Wagoner County
SBA lending by place in Wagoner County
- Borrower cities with recorded lending8
- Broken Arrow, approvals27
- Wagoner, approvals19
- Coweta, approvals12
- Cypress, approvals2
- Locust Grove, approvals2
- Catoosa, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Broken Arrow | 27 | $8,096,600 |
| Wagoner | 19 | $8,143,100 |
| Coweta | 12 | $4,624,800 |
| Cypress | 2 | $446,900 |
| Locust Grove | 2 | $183,600 |
| Catoosa | 1 | $500,000 |
| Porter | 1 | $350,000 |
| Wagner | 1 | $22,500 |
Broken Arrow accounts for 27 approvals against 19 in Wagoner. 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.
Wagoner County
How large is Wagoner County?
- Land area562 sq mi
- Rank by land area among Oklahoma counties69th of 77
- Width, east to west34.2 mi
- Height, north to south25.9 mi
- Geographies sharing a boundary6
- Residents per square mile of land154
- Establishments per square mile2.01
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.
Wagoner County
Flood risk in Wagoner County
- Participation of the county's own NFIP community Wagoner County, unincorporated areasParticipating, community 400215
- Communities in the county in the NFIP Community Status Book12
- Of those, participating in the NFIP11
- NFIP participation rate91.7 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 class3
- Radon levels in Wagoner 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 Wagoner County (community 400215), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Wagoner 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. 91.7 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 Wagoner 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 Wagoner County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202486,609
- Households31,379
- Average household size2.76
- Median household income$81,207
- Median age38.9
Common questions
Wagoner County questions, answered from the record.
How many people live in Wagoner County, Oklahoma?
The Census Bureau estimates 91,257 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 86,609, in 31,379 households, ranking 7th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Wagoner County's population growing?
The population has grown 12.67 percent since the 2020 census base of 80,997, to 91,257 on July 1, 2024. In 2024 there were 923 births against 852 deaths, with net migration of 1,811. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Wagoner County?
$81,207. The median owner-occupied home is valued at $234,800, which is 2.9 times income, and median gross rent is $1,068 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Wagoner County?
1,128 establishments, employing 9,948 people with an annual payroll of $492.2 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 Wagoner County?
Construction is the largest private sector at 1,833 jobs, 16.3 percent of covered employment. Covered employment averages 11,273 jobs at an average annual pay of $55,030, or $1,058 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Wagoner County?
65 7(a) approvals totaling $22.4 m since FY2020, across 24 lenders, with a median approval of $250,000, plus 4 504 approvals worth $2.4 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Wagoner County?
581 housing units were authorized by permit in 2024, with a declared construction value of $140.6 m. Multifamily was 1.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Wagoner 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 Wagoner County come from?
The largest single origin is Tulsa County, with 1,964 households. Arriving households report an average income of $68,397 against $56,150 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Wagoner 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 Wagoner 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.
Wagoner County
Cities and places in Wagoner.
17 Census places lie wholly or partly in Wagoner 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 | None recorded | 6.7 percent here, 87.9 percent Tulsa County, 5.3 percent Osage County |
| Broken Arrow | city | 118,180 | 27 | 33.9 percent here, 66.1 percent Tulsa County |
| Bixby | city | 30,155 | None recorded | 11.2 percent here, 88.8 percent Tulsa County |
| Coweta | city | 10,433 | 12 | Wholly in this county |
| Wagoner | city | 8,082 | 19 | Wholly in this county |
| Catoosa | city | 7,496 | 1 | 3.8 percent here, 96.2 percent Rogers County |
| Whitehorn Cove | CDP | 1,223 | None recorded | Wholly in this county |
| Toppers | CDP | 1,029 | None recorded | Wholly in this county |
| Taylor Ferry | CDP | 906 | None recorded | Wholly in this county |
| Rocky Point | CDP | 821 | None recorded | Wholly in this county |
| Porter | town | 623 | 1 | Wholly in this county |
| Okay | town | 408 | None recorded | Wholly in this county |
| Mallard Bay | CDP | 290 | None recorded | Wholly in this county |
| Tullahassee | town | 152 | None recorded | Wholly in this county |
| Redbird | town | 103 | None recorded | Wholly in this county |
| Fair Oaks | town | 88 | None recorded | 44.1 percent here, 55.9 percent Rogers County |
| Clarksville | CDP | 0 | None recorded | Wholly in this county |
A further 5 of the county's 65 SBA 7(a) approvals are to borrowers in cities that match no Census place in Wagoner County, the largest being Cypress (2), Locust Grove (2), Wagner (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.
Nearby