Adair County, Oklahoma: commercial real estate data.
Adair County, Oklahoma has a population of 19,575 across 573 square miles, up 1.7 percent since the 2020 census base. County output reached $593.3 m in 2024, 242 establishments operate here, and the SBA record carries 3 7(a) approvals worth $786,500.
116 sourced county values · tier FULL · 11 sections
Adair County
How many people live in Adair County
- Population19,575
- Households7,133
- Average household size2.74
- Median household income$48,041
- Median age37.9
- Median gross rent$667 per month
- Median owner-occupied home value$117,800
- Home value to household income2.5 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher12.3 percent
- Adults 25 and over with a graduate degree5.2 percent
- Adults 25 and over12,779
- Population under 185,117
- Share under 1826.1 percent
- Population 65 and over3,090
- Share 65 and over15.8 percent
- Working age population, 18 to 6411,368
- Civilian labor force8,350
- Unemployment rate6.9 percent
- Labor force participation, adults 18 and over57.8 percent
- Rank by population among Oklahoma counties41st of 77
- Rank by population among US county-equivalents1907th
Adair County is the 41st largest of 77 Oklahoma counties by population. A median home costs 2.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 26.1 percent against 15.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Adair County
Is Adair County growing
- Population change since the 2020 census base1.66 percent
- Census 2020 base population19,498
- Births, 2024303
- Deaths, 2024323
- Natural change, 2024-20
- Net domestic migration, 2024186
- Net international migration, 202416
- Total net migration, 2024202
- Cumulative net domestic migration, 2021 to 2024452
- Rank by growth among US county-equivalents1283rd
The county has grown 1.66 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone 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.
Adair County
Where people moving to Adair County come from
- Tax returns filed by households arriving455
- People arriving, from those returns968
- Adjusted gross income arriving$17.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$38,275
- Largest single originAdair County Non-migrants (6,282 households)
- Largest single destination (6,282 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Adair County Non-migrants | 6,282 | 14,473 | $320.7 m |
| Other flows - Different State | 111 | 242 | $6.1 m |
| Benton County | 87 | 188 | $3.8 m |
| Other flows - Same State | 81 | 144 | $2.2 m |
| Cherokee County | 62 | 139 | $1.8 m |
| Washington County | 51 | 116 | $1.6 m |
| Other flows - South | 46 | 94 | $3.6 m |
| Delaware County | 39 | 90 | $1.1 m |
The largest single source of arrivals is Adair 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.
Adair County
What the Adair County economy runs on
- County GDP, 2024$593.3 m
- County GDP, 2023$558.7 m
- GDP change, 2023 to 20246.2 percent
- GDP change over five years40.2 percent
- Rank by GDP among Oklahoma counties52nd
- Rank by GDP among US county-equivalents2283rd
- GDP per resident$30,310
Output grew 6.2 percent in the latest year and 40.2 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.
Adair County
Who employs people in Adair County
- Covered employment, annual average4,394
- Establishments reporting355
- Average annual pay$42,371
- Average weekly wage$815
- Sector 31-33, employment1,167
- Sector 31-33, average annual pay$53,077
- Sector 44-45, employment592
- Sector 44-45, average annual pay$27,973
- Sector 72, employment290
- Sector 72, average annual pay$17,351
- Sector 52, employment134
- Sector 52, average annual pay$46,772
- Sector 48-49, employment95
- Sector 81, employment95
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,167 | 20 | $53,077 |
| Sector 44-45 | 592 | 54 | $27,973 |
| Sector 72 | 290 | 22 | $17,351 |
| Sector 52 | 134 | 25 | $46,772 |
| Sector 48-49 | 95 | 15 | $52,786 |
| Sector 81 | 95 | 18 | $55,423 |
| Sector 23 | 91 | 32 | $44,904 |
| Sector 51 | 12 | 8 | $69,450 |
The largest sector is the biggest private employer group at 1,167 jobs, 26.6 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.
Adair County
What businesses operate in Adair County
- Establishments, all industries242
- Employment at those establishments2,991
- Annual payroll$133.6 m
- Establishments per 1,000 residents12.4
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.
Adair County
What is being built in Adair County
- Housing units authorised by permit, 202430
- Declared construction value permitted$5.6 m
- Single family units authorised16
- Multifamily units authorised14
- Multifamily share of units46.7 percent
- Average declared value per unit$186,242
- Units authorised per 1,000 households4.2
Multifamily is 46.7 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Adair County
How much SBA lending happens in Adair County
- 7(a) approvals recorded3
- 7(a) gross approval dollars$786,500
- Average 7(a) approval$262,167
- Median 7(a) approval$175,000
- 10th percentile approval$17,000
- 90th percentile approval$594,500
- Largest single approval$594,500
- Jobs reported supported, 7(a)13
- Jobs per approval4.3
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals3
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter2
- Franchise loans1
- Franchise share of approvals33.3 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (1)
- Most active lenderCeltic Bank Corporation (1)
- 504 approvals recorded1
- 504 gross approval dollars$516,000
- Average 504 approval$516,000
- Median 504 approval$516,000
- Distinct CDCs active1
- 504 jobs per approval7.0
- 504 jobs per million dollars approved13.6
- Most active CDCSmall Business Capital Corporation (1)
- 7(a) share of SBA approvals75.0 percent
- Combined SBA approval dollars$1.3 m
The average approval of $262,167 sits well above the median of $175,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. 33.3 percent of approvals run on real estate terms of 240 months or more, so this is a market where SBA credit is buying buildings, not just funding operations.
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.
Adair County
Do SBA loans in Adair County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Paid in full1
- Status: Exempt from disclosure1
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 1 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Adair County
Which parts of Adair County get the lending
- Places in the county with recorded lending2
- Westville, approvals2
- Watts, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Westville | 2 | $769,500 |
| Watts | 1 | $17,000 |
Westville accounts for 2 approvals against 1 in Watts. 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.
Adair County
How big is Adair County
- Land area573 sq mi
- Rank by land area among Oklahoma counties64th of 77
- Width, east to west18.8 mi
- Height, north to south36.1 mi
- Geographies sharing a boundary3
- Residents per square mile of land34
- Establishments per square mile0.42
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 Adair 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 Adair County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population19,575
- Households7,133
- Average household size2.74
- Median household income$48,041
- Median age37.9
Common questions
Adair County questions, answered from the record.
How many people live in Adair County, Oklahoma?
19,575, in 7,133 households, ranking 41st of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Adair County growing?
The population has grown 1.66 percent since the 2020 census base. In 2024 there were 303 births against 323 deaths, with net migration of 202. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Adair County?
$48,041. The median owner-occupied home is valued at $117,800, which is 2.5 times income, and median gross rent is $667 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Adair County?
242 establishments, employing 2,991 people with an annual payroll of $133.6 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 Adair County?
Average annual pay is $42,371, or $815 a week, across 4,394 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Adair County?
3 7(a) approvals totalling $786,500 since FY2020, across 3 lenders, with a median approval of $175,000, plus 1 504 approvals worth $516,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Adair County?
30 housing units were authorised by permit in 2024, with a declared construction value of $5.6 m. Multifamily was 46.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Adair County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Adair County come from?
The largest single origin is Adair County Non-migrants, with 6,282 households. Arriving households report an average income of $38,275 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 Adair 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 Adair 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.