Cleveland County, Oklahoma: commercial real estate data.
Cleveland County, Oklahoma has a population of 300,047 across 539 square miles, up 2.9 percent since the 2020 census base. County output reached $12.45 bn in 2024, 6,169 establishments operate here, and the SBA record carries 241 7(a) approvals worth $110.9 m.
123 sourced county values · tier FULL · 11 sections
Cleveland County
How many people live in Cleveland County
- Population300,047
- Households116,799
- Average household size2.57
- Median household income$77,068
- Median age35.4
- Median gross rent$1,167 per month
- Median owner-occupied home value$235,700
- Home value to household income3.1 times
- Annual rent as a share of median income18.2 percent
- Adults 25 and over with a bachelor degree or higher36.2 percent
- Adults 25 and over with a graduate degree14.8 percent
- Adults 25 and over193,725
- Population under 1861,275
- Share under 1820.4 percent
- Population 65 and over44,737
- Share 65 and over14.9 percent
- Working age population, 18 to 64194,035
- Civilian labor force157,031
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over65.8 percent
- Rank by population among Oklahoma counties3rd of 77
- Rank by population among US county-equivalents242nd
Cleveland County is the 3rd largest of 77 Oklahoma counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 20.4 percent against 14.9 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cleveland County
Is Cleveland County growing
- Population change since the 2020 census base2.85 percent
- Census 2020 base population295,533
- Births, 20242,740
- Deaths, 20242,339
- Natural change, 2024401
- Net domestic migration, 2024288
- Net international migration, 20241,334
- Total net migration, 20241,622
- Cumulative net domestic migration, 2021 to 20243,279
- Rank by growth among US county-equivalents913th
The county has grown 2.85 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.
Cleveland County
Where people moving to Cleveland County come from
- Tax returns filed by households arriving9,739
- People arriving, from those returns17,591
- Adjusted gross income arriving$529.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$54,318
- Largest single originCleveland County Non-migrants (99,154 households)
- Largest single destination (99,154 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cleveland County Non-migrants | 99,154 | 203,295 | $8.24 bn |
| Oklahoma County | 3,606 | 6,571 | $172.9 m |
| Other flows - Different State | 2,321 | 4,145 | $153.2 m |
| Other flows - South | 1,054 | 1,861 | $71.1 m |
| Other flows - West | 597 | 1,153 | $42.6 m |
| Other flows - Midwest | 496 | 826 | $29.0 m |
| McClain County | 436 | 832 | $23.4 m |
| Canadian County | 401 | 754 | $22.2 m |
The largest single source of arrivals is Cleveland 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.
Cleveland County
What the Cleveland County economy runs on
- County GDP, 2024$12.45 bn
- County GDP, 2023$12.15 bn
- GDP change, 2023 to 20242.5 percent
- GDP change over five years33.2 percent
- Rank by GDP among Oklahoma counties3rd
- Rank by GDP among US county-equivalents374th
- GDP per resident$41,504
Output grew 2.5 percent in the latest year and 33.2 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.
Cleveland County
Who employs people in Cleveland County
- Covered employment, annual average91,353
- Establishments reporting7,371
- Average annual pay$51,153
- Average weekly wage$984
- Sector 72, employment12,874
- Sector 72, average annual pay$23,145
- Sector 44-45, employment11,822
- Sector 44-45, average annual pay$33,916
- Sector 62, employment9,226
- Sector 62, average annual pay$46,782
- Sector 23, employment5,066
- Sector 23, average annual pay$63,264
- Sector 56, employment4,607
- Sector 54, employment4,386
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 12,874 | 572 | $23,145 |
| Sector 44-45 | 11,822 | 731 | $33,916 |
| Sector 62 | 9,226 | 899 | $46,782 |
| Sector 23 | 5,066 | 728 | $63,264 |
| Sector 56 | 4,607 | 504 | $45,236 |
| Sector 54 | 4,386 | 1,241 | $73,268 |
| Sector 31-33 | 3,982 | 171 | $62,793 |
| Sector 48-49 | 3,964 | 121 | $42,892 |
The largest sector is the biggest private employer group at 12,874 jobs, 14.1 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.
Cleveland County
What businesses operate in Cleveland County
- Establishments, all industries6,169
- Employment at those establishments78,352
- Annual payroll$3.53 bn
- Establishments per 1,000 residents20.6
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.
Cleveland County
What is being built in Cleveland County
- Housing units authorised by permit, 2024585
- Declared construction value permitted$224.8 m
- Single family units authorised567
- Multifamily units authorised18
- Multifamily share of units3.1 percent
- Average declared value per unit$384,275
- Units authorised per 1,000 households5.0
Multifamily is 3.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cleveland County
How much SBA lending happens in Cleveland County
- 7(a) approvals recorded241
- 7(a) gross approval dollars$110.9 m
- Average 7(a) approval$460,343
- Median 7(a) approval$234,900
- 10th percentile approval$50,000
- 90th percentile approval$1,035,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)3,097
- Jobs per approval12.9
- Distinct 7(a) lenders active58
- Distinct industries receiving approvals115
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer11.6 percent
- Loans on real estate terms28
- Loans on working capital terms, 120 months or shorter197
- Franchise loans39
- Franchise share of approvals16.2 percent
- Leading industry by approval countChild Day Care Services (12)
- Most active lenderBancFirst (86)
- 504 approvals recorded46
- 504 gross approval dollars$30.4 m
- Average 504 approval$660,717
- Median 504 approval$503,000
- Distinct CDCs active5
- 504 jobs per approval12.5
- 504 jobs per million dollars approved18.9
- Most active CDCRural Enterprises of Oklahoma, Inc. (28)
- 7(a) share of SBA approvals84.0 percent
- Combined SBA approval dollars$141.3 m
The average approval of $460,343 sits well above the median of $234,900, 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. Only 11.6 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.
Cleveland County
Do SBA loans in Cleveland County get paid back
- Loans with a final outcome recorded58
- Paid in full54
- Charged off4
- Charge off rate on resolved loans6.9 percent
- Status: Paid in full54
- Status: Exempt from disclosure145
- Status: Charged off4
- Status: Cancelled23
- Status: Committed, not yet disbursed15
Of the 58 loans that have reached a final outcome, 6.9 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.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cleveland County
Which parts of Cleveland County get the lending
- Places in the county with recorded lending7
- Norman, approvals127
- OKLAHOMA CITY, approvals67
- Moore, approvals37
- NOBLE, approvals4
- NEWALLA, approvals4
- Goldsby, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Norman | 127 | $52,168,100 |
| OKLAHOMA CITY | 67 | $31,164,600 |
| Moore | 37 | $20,512,000 |
| NOBLE | 4 | $1,412,900 |
| NEWALLA | 4 | $635,000 |
| Goldsby | 1 | $5,000,000 |
| LEXINGTON | 1 | $50,000 |
Norman accounts for 127 approvals against 67 in OKLAHOMA CITY. 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.
Cleveland County
How big is Cleveland County
- Land area539 sq mi
- Rank by land area among Oklahoma counties70th of 77
- Width, east to west29.9 mi
- Height, north to south31 mi
- Geographies sharing a boundary4
- Residents per square mile of land557
- Establishments per square mile11.45
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 Cleveland 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 Cleveland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population300,047
- Households116,799
- Average household size2.57
- Median household income$77,068
- Median age35.4
Common questions
Cleveland County questions, answered from the record.
How many people live in Cleveland County, Oklahoma?
300,047, in 116,799 households, ranking 3rd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cleveland County growing?
The population has grown 2.85 percent since the 2020 census base. In 2024 there were 2,740 births against 2,339 deaths, with net migration of 1,622. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cleveland County?
$77,068. The median owner-occupied home is valued at $235,700, which is 3.1 times income, and median gross rent is $1,167 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cleveland County?
6,169 establishments, employing 78,352 people with an annual payroll of $3.53 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cleveland County?
Average annual pay is $51,153, or $984 a week, across 91,353 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cleveland County?
241 7(a) approvals totalling $110.9 m since FY2020, across 58 lenders, with a median approval of $234,900, plus 46 504 approvals worth $30.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cleveland County get paid back?
Of the 58 loans that have reached a final outcome, 54 were paid in full and 4 charged off, a charge off rate of 6.9 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Cleveland County?
585 housing units were authorised by permit in 2024, with a declared construction value of $224.8 m. Multifamily was 3.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cleveland 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 Cleveland County come from?
The largest single origin is Cleveland County Non-migrants, with 99,154 households. Arriving households report an average income of $54,318 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 Cleveland 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 Cleveland 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.