Wagoner County, Oklahoma: commercial real estate data.
Wagoner County, Oklahoma has a population of 86,609 across 562 square miles, up 12.7 percent since the 2020 census base. 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.
123 sourced county values · tier FULL · 11 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Wagoner County
How many people live in Wagoner County
- Population86,609
- 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-equivalents681st
Wagoner County is the 7th largest of 77 Oklahoma counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market 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 change since the 2020 census base12.67 percent
- Census 2020 base population80,997
- 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
The county has grown 12.67 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
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
- Adjusted gross income arriving$259.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$68,397
- Largest single originWagoner County Non-migrants (27,732 households)
- Largest single destination (27,732 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Wagoner County Non-migrants | 27,732 | 61,882 | $2.14 bn |
| Tulsa County | 1,964 | 3,997 | $149.0 m |
| Other flows - Different State | 898 | 1,827 | $59.4 m |
| Other flows - South | 367 | 714 | $23.8 m |
| Other flows - West | 311 | 684 | $22.5 m |
| Other flows - Same State | 206 | 434 | $14.0 m |
| Other flows - Midwest | 188 | 372 | $11.2 m |
| Rogers County | 182 | 336 | $9.6 m |
The largest single source of arrivals is Wagoner County Non-migrants, 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 Oklahoma counties25th
- Rank by GDP among US county-equivalents1285th
- 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
Largest employers in Wagoner County
- Covered employment, annual average11,273
- Establishments reporting1,140
- Average annual pay$55,030
- Average weekly wage$1,058
- Sector 23, employment1,833
- Sector 23, average annual pay$73,052
- Sector 31-33, employment1,752
- Sector 31-33, average annual pay$82,899
- Sector 44-45, employment1,683
- Sector 44-45, average annual pay$30,620
- Sector 62, employment1,033
- Sector 62, average annual pay$45,603
- Sector 72, employment1,017
- Sector 81, employment399
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 23 | 1,833 | 183 | $73,052 |
| Sector 31-33 | 1,752 | 46 | $82,899 |
| Sector 44-45 | 1,683 | 117 | $30,620 |
| Sector 62 | 1,033 | 82 | $45,603 |
| Sector 72 | 1,017 | 77 | $19,255 |
| Sector 81 | 399 | 70 | $62,654 |
| Sector 42 | 374 | 70 | $88,227 |
| Sector 54 | 342 | 145 | $56,750 |
The largest sector is the biggest private employer group at 1,833 jobs, 16.3 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
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.
US Census Bureau, County Business Patterns, 2023.
Wagoner County
Building permits in Wagoner County
- Housing units authorised by permit, 2024581
- Declared construction value permitted$140.6 m
- Single family units authorised575
- Multifamily units authorised6
- Multifamily share of units1.0 percent
- Average declared value per unit$242,079
- Units authorised per 1,000 households18.5
Multifamily is 1.0 percent of units authorised, so the pipeline is predominantly for sale product.
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$887,500
- 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$656,000
- Distinct CDCs active2
- 504 jobs per approval12.3
- 504 jobs per million dollars approved20.7
- Most active CDCSmall Business Capital Corporation (3)
- 7(a) share of SBA approvals94.2 percent
- Combined SBA approval dollars$24.7 m
The average approval of $344,115 sits close to the median of $250,000, so lending here is fairly evenly sized rather than driven by a few large deals. 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
- Charge off rate on resolved loans8.7 percent
- Status: Paid in full21
- Status: Cancelled6
- Status: Exempt from disclosure33
- Status: Charged off2
- Status: Committed, not yet disbursed3
Of the 23 loans that have reached a final outcome, 8.7 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.
Wagoner County
SBA lending by place in Wagoner County
- Places in the county with recorded lending8
- Broken Arrow, approvals27
- Wagoner, approvals19
- Coweta, approvals12
- Cypress, approvals2
- LOCUST GROVE, approvals2
- Wagner, approvals1
| Place | 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 |
| Wagner | 1 | $22,500 |
| Catoosa | 1 | $500,000 |
| Porter | 1 | $350,000 |
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.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
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.
- Population86,609
- 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?
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. 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 the average wage in Wagoner County?
Average annual pay is $55,030, or $1,058 a week, across 11,273 covered jobs. 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 totalling $22.4 m since FY2020, across 24 lenders, with a median approval of $250,000, plus 4 504 approvals worth $2.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Wagoner County get paid back?
Of the 23 loans that have reached a final outcome, 21 were paid in full and 2 charged off, a charge off rate of 8.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Wagoner County?
581 housing units were authorised 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 Wagoner County Non-migrants, with 27,732 households. Arriving households report an average income of $68,397 against null 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Wagoner County
Cities and places in Wagoner.
16 Census places lie wholly or partly in Wagoner County. 16 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| Broken Arrow | city | 118,180 | 114 | 33.9 percent here, 66.1 percent Tulsa County |
| Bixby | city | 30,155 | 35 | 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 | 8 | 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 3 SBA approvals in Wagoner County are recorded against borrower cities that match no Census place, the largest being Cypress, Wagner. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.