Atoka County, Oklahoma: commercial real estate data.
Atoka County, Oklahoma has a population of 14,379 across 976 square miles, up 3.2 percent since the 2020 census base. County output reached $484.7 m in 2024, 259 establishments operate here, and the SBA record carries 6 7(a) approvals worth $7.1 m.
112 sourced county values · tier FULL · 10 sections
Atoka County
How many people live in Atoka County
- Population14,379
- Households4,975
- Average household size2.89
- Median household income$54,785
- Median age40.6
- Median gross rent$708 per month
- Median owner-occupied home value$157,600
- Home value to household income2.9 times
- Annual rent as a share of median income15.5 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over10,243
- Population under 183,061
- Share under 1821.3 percent
- Population 65 and over2,714
- Share 65 and over18.9 percent
- Working age population, 18 to 648,604
- Civilian labor force5,601
- Unemployment rate4.6 percent
- Labor force participation, adults 18 and over49.5 percent
- Rank by population among Oklahoma counties46th of 77
- Rank by population among US county-equivalents2195th
Atoka County is the 46th 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 21.3 percent against 18.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Atoka County
Is Atoka County growing
- Population change since the 2020 census base3.22 percent
- Census 2020 base population14,144
- Births, 2024135
- Deaths, 2024142
- Natural change, 2024-7
- Net domestic migration, 202447
- Net international migration, 202436
- Total net migration, 202483
- Cumulative net domestic migration, 2021 to 2024504
- Rank by growth among US county-equivalents823rd
The county has grown 3.22 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.
Atoka County
Where people moving to Atoka County come from
- Tax returns filed by households arriving333
- People arriving, from those returns657
- Adjusted gross income arriving$16.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,129
- Largest single originAtoka County Non-migrants (4,150 households)
- Largest single destination (4,150 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Atoka County Non-migrants | 4,150 | 9,193 | $213.9 m |
| Other flows - Same State | 124 | 232 | $6.1 m |
| Other flows - Different State | 102 | 192 | $5.4 m |
| Other flows - South | 77 | 154 | $4.2 m |
| Bryan County | 74 | 159 | $3.7 m |
| Coal County | 33 | 74 | $1.1 m |
| Other flows - West | 25 | 38 | $1.2 m |
The largest single source of arrivals is Atoka 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.
Atoka County
What the Atoka County economy runs on
- County GDP, 2024$484.7 m
- County GDP, 2023$443.4 m
- GDP change, 2023 to 20249.3 percent
- GDP change over five years29.2 percent
- Rank by GDP among Oklahoma counties58th
- Rank by GDP among US county-equivalents2421st
- GDP per resident$33,707
Output grew 9.3 percent in the latest year and 29.2 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.
Atoka County
Who employs people in Atoka County
- Covered employment, annual average3,450
- Establishments reporting334
- Average annual pay$40,305
- Average weekly wage$775
- Sector 44-45, employment523
- Sector 44-45, average annual pay$31,245
- Sector 48-49, employment144
- Sector 48-49, average annual pay$43,719
- Sector 52, employment144
- Sector 52, average annual pay$62,572
- Sector 31-33, employment106
- Sector 31-33, average annual pay$40,946
- Sector 54, employment83
- Sector 23, employment76
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 523 | 50 | $31,245 |
| Sector 48-49 | 144 | 20 | $43,719 |
| Sector 52 | 144 | 22 | $62,572 |
| Sector 31-33 | 106 | 14 | $40,946 |
| Sector 54 | 83 | 28 | $60,503 |
| Sector 23 | 76 | 22 | $41,793 |
| Sector 81 | 56 | 14 | $26,449 |
| Sector 51 | 14 | 5 | $58,152 |
The largest sector is the biggest private employer group at 523 jobs, 15.2 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.
Atoka County
What businesses operate in Atoka County
- Establishments, all industries259
- Employment at those establishments2,135
- Annual payroll$69.8 m
- Establishments per 1,000 residents18.0
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.
Atoka County
What is being built in Atoka County
- Housing units authorised by permit, 202435
- Declared construction value permitted$10.6 m
- Single family units authorised35
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorised per 1,000 households7.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Atoka County
How much SBA lending happens in Atoka County
- 7(a) approvals recorded6
- 7(a) gross approval dollars$7.1 m
- Average 7(a) approval$1,184,817
- Median 7(a) approval$490,000
- 10th percentile approval$67,500
- 90th percentile approval$5,000,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)61
- Jobs per approval10.2
- Distinct 7(a) lenders active3
- Distinct industries receiving approvals6
- Median 7(a) term252 months
- Share of loans on real estate terms, 240 months or longer83.3 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter1
- Franchise loans1
- Franchise share of approvals16.7 percent
- Leading industry by approval countCut Stock, Resawing Lumber, and Planing (1)
- Most active lenderAmeriState Bank (4)
- 504 approvals recorded2
- 504 gross approval dollars$271,000
- Average 504 approval$135,500
- Median 504 approval$185,000
- Distinct CDCs active1
- 504 jobs per approval3.5
- 504 jobs per million dollars approved25.8
- Most active CDCMetro Area Development Corporation (2)
- 7(a) share of SBA approvals75.0 percent
- Combined SBA approval dollars$7.4 m
The average approval of $1,184,817 sits well above the median of $490,000, 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. 83.3 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.
Atoka County
Do SBA loans in Atoka County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure5
- Status: Paid in full1
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.
Atoka County
How big is Atoka County
- Land area976 sq mi
- Rank by land area among Oklahoma counties23rd of 77
- Width, east to west42 mi
- Height, north to south36.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land15
- Establishments per square mile0.27
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 Atoka 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 Atoka County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population14,379
- Households4,975
- Average household size2.89
- Median household income$54,785
- Median age40.6
Common questions
Atoka County questions, answered from the record.
How many people live in Atoka County, Oklahoma?
14,379, in 4,975 households, ranking 46th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Atoka County growing?
The population has grown 3.22 percent since the 2020 census base. In 2024 there were 135 births against 142 deaths, with net migration of 83. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Atoka County?
$54,785. The median owner-occupied home is valued at $157,600, which is 2.9 times income, and median gross rent is $708 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Atoka County?
259 establishments, employing 2,135 people with an annual payroll of $69.8 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 Atoka County?
Average annual pay is $40,305, or $775 a week, across 3,450 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Atoka County?
6 7(a) approvals totalling $7.1 m since FY2020, across 3 lenders, with a median approval of $490,000, plus 2 504 approvals worth $271,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Atoka County?
35 housing units were authorised by permit in 2024, with a declared construction value of $10.6 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Atoka 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 Atoka County come from?
The largest single origin is Atoka County Non-migrants, with 4,150 households. Arriving households report an average income of $49,129 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 Atoka 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 Atoka 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.