Washington County, Oklahoma: commercial real estate data.
Washington County, Oklahoma had an estimated 54,060 residents on July 1, 2024, up 3.1 percent since the 2020 census base of 52,443, across 415 square miles. County output reached $4.79 bn in 2024, 1,160 establishments operate here, and the SBA record carries 40 7(a) approvals worth $16.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Washington County
How many people live in Washington County
- Population, American Community Survey 2020-202453,326
- Households20,957
- Average household size2.54
- Median household income$60,162
- Median age39.2
- Median gross rent$907 per month
- Median owner-occupied home value$173,200
- Home value to household income2.9 times
- Annual rent as a share of median income18.1 percent
- Adults 25 and over with a bachelor degree or higher30.1 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over36,163
- Population under 1812,820
- Share under 1824.0 percent
- Population 65 and over10,803
- Share 65 and over20.3 percent
- Working age population, 18 to 6429,703
- Civilian labor force24,052
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over59.4 percent
- Rank by population among Oklahoma counties14th of 77
- Rank by population among US county-equivalents, Puerto Rico included971st of 3,222
Washington County is the 14th 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 24.0 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Washington County
Is Washington County's population growing?
- Population, July 1, 202454,060
- Census 2020 base population52,443
- Population change since the 2020 census base3.08 percent
- Population change, 2023 to 2024288
- Births, 2024582
- Deaths, 2024643
- Natural change, 2024-61
- Net domestic migration, 2024231
- Net international migration, 2024117
- Total net migration, 2024348
- Cumulative net domestic migration, 2021 to 20241,619
- Rank by growth among US county-equivalents851st of 3,144
The county has grown 3.08 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.
Washington County
Where are people moving to Washington County from?
- Tax returns filed by households arriving1,389
- People arriving, from those returns2,838
- Tax returns filed by households leaving1,246
- Net household movement143
- Adjusted gross income arriving$82.9 m
- Net adjusted gross income movement$2.4 m
- Average income of an arriving household$59,660
- Average income of a leaving household$64,575
- Largest single originTulsa County (252 households)
- Largest single destinationTulsa County (271 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Tulsa County | 252 | 514 | $13.8 m |
| Osage County | 117 | 238 | $6.7 m |
| Nowata County | 65 | 141 | $2.9 m |
| Montgomery County | 61 | 127 | $3.6 m |
| Rogers County | 56 | 111 | $4.4 m |
| Oklahoma County | 37 | 66 | $1.9 m |
| Harris County | 23 | 72 | $4.9 m |
Households arriving report $4,915 less average income than households leaving, which drains spending power even where headcount holds up. 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.
Washington County
What is the Washington County economy?
- County GDP, 2024$4.79 bn
- County GDP, 2023$4.11 bn
- GDP change, 2023 to 202416.7 percent
- GDP change over five years84.6 percent
- Rank by GDP among the Oklahoma areas BEA publishes7th of 77
- Rank by GDP among the US county areas BEA publishes733rd of 3,127
- GDP per resident$89,870
Output grew 16.7 percent in the latest year and 84.6 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.
Washington County
Employment by industry in Washington County
- Covered employment, annual average18,959
- Establishments reporting1,427
- Average annual pay$61,973
- Average weekly wage$1,192
- Health care and social assistance, employment2,483
- Health care and social assistance, average annual pay$45,739
- Retail trade, employment2,444
- Retail trade, average annual pay$39,113
- Mining, quarrying, and oil and gas extraction, employment2,332
- Mining, quarrying, and oil and gas extraction, average annual pay$150,319
- Accommodation and food services, employment1,983
- Accommodation and food services, average annual pay$20,942
- Transportation and warehousing, employment1,070
- Finance and insurance, employment953
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 2,483 | 175 | $45,739 |
| Retail trade | 2,444 | 168 | $39,113 |
| Mining, quarrying, and oil and gas extraction | 2,332 | 34 | $150,319 |
| Accommodation and food services | 1,983 | 119 | $20,942 |
| Transportation and warehousing | 1,070 | 26 | $66,770 |
| Finance and insurance | 953 | 103 | $75,385 |
| Administrative and support and waste management services | 859 | 118 | $41,106 |
| Construction | 836 | 117 | $58,069 |
Health care and social assistance is the largest private sector at 2,483 jobs, 13.1 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Washington County
How many businesses are in Washington County?
- Establishments, all industries1,160
- Employment at those establishments17,069
- Annual payroll$1.05 bn
- Establishments per 1,000 residents21.8
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.
Washington County
Building permits in Washington County
- Housing units authorized by permit, 202449
- Declared construction value permitted$14.4 m
- Single family units authorized41
- Multifamily units authorized8
- Multifamily share of units16.3 percent
- Average declared value per unit$294,234
- Units authorized per 1,000 households2.3
Single-family homes are 83.7 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Washington County
SBA loans in Washington County (7(a) and 504)
- 7(a) approvals recorded40
- 7(a) gross approval dollars$16.1 m
- Average 7(a) approval$402,393
- Median 7(a) approval$226,500
- 10th percentile approval$27,070
- 90th percentile approval$1,026,000
- Largest single approval$2,343,800
- Jobs reported supported, 7(a)258
- Jobs per approval6.5
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals33
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter22
- Franchise loans7
- Franchise share of approvals17.5 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (3)
- Most active lenderBancFirst (11)
- 504 approvals recorded9
- 504 gross approval dollars$3.6 m
- Average 504 approval$405,222
- Median 504 approval$292,000
- Distinct CDCs active3
- 504 jobs per approval6.0
- 504 jobs per million dollars approved14.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$19.7 m
The average approval of $402,393 sits well above the median of $226,500, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.0 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.
Washington County
SBA loan default and charge-off rates in Washington County
Do SBA loans in Washington County get paid back?
- Loans with a final outcome recorded15
- Paid in full14
- Charged off1
- Status: Paid in full14
- Status: Cancelled6
- Status: Exempt from disclosure19
- Status: Charged off1
Only 15 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.
Washington County
SBA lending by place in Washington County
- Borrower cities with recorded lending6
- Bartlesville, approvals32
- Dewey, approvals3
- Ramona, approvals2
- Tulsa, approvals1
- Copan, approvals1
- Ochelata, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Bartlesville | 32 | $12,532,000 |
| Dewey | 3 | $518,900 |
| Ramona | 2 | $1,291,000 |
| Tulsa | 1 | $1,304,600 |
| Copan | 1 | $424,200 |
| Ochelata | 1 | $25,000 |
Bartlesville accounts for 32 approvals against 3 in Dewey. 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.
Washington County
How large is Washington County?
- Land area415 sq mi
- Rank by land area among Oklahoma counties76th of 77
- Width, east to west11.9 mi
- Height, north to south39.8 mi
- Geographies sharing a boundary6
- Residents per square mile of land128
- Establishments per square mile2.80
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.
Washington County
Flood risk in Washington County
- Participation of the county's own NFIP community Washington County, unincorporated areasParticipating, community 400459
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP6
- 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 7
- Communities carrying a CRS class2
- Radon levels in Washington 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 Washington County (community 400459), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Washington 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 7, 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 Washington 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 Washington County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202453,326
- Households20,957
- Average household size2.54
- Median household income$60,162
- Median age39.2
Common questions
Washington County questions, answered from the record.
How many people live in Washington County, Oklahoma?
The Census Bureau estimates 54,060 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 53,326, in 20,957 households, ranking 14th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Washington County's population growing?
The population has grown 3.08 percent since the 2020 census base of 52,443, to 54,060 on July 1, 2024. In 2024 there were 582 births against 643 deaths, with net migration of 348. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Washington County?
$60,162. The median owner-occupied home is valued at $173,200, which is 2.9 times income, and median gross rent is $907 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Washington County?
1,160 establishments, employing 17,069 people with an annual payroll of $1.05 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 Washington County?
Health care and social assistance is the largest private sector at 2,483 jobs, 13.1 percent of covered employment. Covered employment averages 18,959 jobs at an average annual pay of $61,973, or $1,192 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Washington County?
40 7(a) approvals totaling $16.1 m since FY2020, across 14 lenders, with a median approval of $226,500, plus 9 504 approvals worth $3.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Washington County?
49 housing units were authorized by permit in 2024, with a declared construction value of $14.4 m. Multifamily was 16.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Washington 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 Washington County come from?
The largest single origin is Tulsa County, with 252 households. Arriving households report an average income of $59,660 against $64,575 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Washington 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 Washington 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.
Washington County
Cities and places in Washington.
6 Census places lie wholly or partly in Washington County. All 6 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 |
|---|---|---|---|---|
| Bartlesville | city | 37,878 | 32 | 95.5 percent here, 4.5 percent Osage County |
| Dewey | city | 3,412 | 3 | Wholly in this county |
| Copan | town | 772 | 1 | Wholly in this county |
| Ramona | town | 629 | 2 | Wholly in this county |
| Ochelata | town | 599 | 1 | Wholly in this county |
| Vera | town | 323 | None recorded | Wholly in this county |
A further 1 of the county's 40 SBA 7(a) approvals are to borrowers in cities that match no Census place in Washington County, the largest being Tulsa (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