Craig County, Oklahoma: commercial real estate data.
Craig County, Oklahoma has a population of 14,302 across 761 square miles, up 2.8 percent since the 2020 census base. County output reached $589.2 m in 2024, 340 establishments operate here, and the SBA record carries 9 7(a) approvals worth $9.3 m.
118 sourced county values · tier FULL · 11 sections
Craig County
How many people live in Craig County
- Population14,302
- Households5,190
- Average household size2.76
- Median household income$51,922
- Median age40.6
- Median gross rent$810 per month
- Median owner-occupied home value$150,500
- Home value to household income2.9 times
- Annual rent as a share of median income18.7 percent
- Adults 25 and over with a bachelor degree or higher15.3 percent
- Adults 25 and over with a graduate degree4.2 percent
- Adults 25 and over9,951
- Population under 183,253
- Share under 1822.7 percent
- Population 65 and over2,721
- Share 65 and over19.0 percent
- Working age population, 18 to 648,328
- Civilian labor force5,714
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over51.7 percent
- Rank by population among Oklahoma counties47th of 77
- Rank by population among US county-equivalents2201st
Craig County is the 47th 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 22.7 percent against 19.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Craig County
Is Craig County growing
- Population change since the 2020 census base2.83 percent
- Census 2020 base population14,107
- Births, 2024165
- Deaths, 2024217
- Natural change, 2024-52
- Net domestic migration, 202441
- Net international migration, 202440
- Total net migration, 202481
- Cumulative net domestic migration, 2021 to 2024527
- Rank by growth among US county-equivalents916th
The county has grown 2.83 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.
Craig County
Where people moving to Craig County come from
- Tax returns filed by households arriving395
- People arriving, from those returns829
- Adjusted gross income arriving$17.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,114
- Largest single originCraig County Non-migrants (4,213 households)
- Largest single destination (4,213 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Craig County Non-migrants | 4,213 | 8,773 | $236.5 m |
| Other flows - Different State | 142 | 317 | $7.3 m |
| Ottawa County | 65 | 140 | $2.1 m |
| Other flows - Midwest | 65 | 156 | $2.9 m |
| Other flows - Same State | 57 | 101 | $2.8 m |
| Other flows - South | 39 | 79 | $1.7 m |
| Other flows - West | 38 | 82 | $2.7 m |
| Mayes County | 36 | 80 | $1.5 m |
The largest single source of arrivals is Craig 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.
Craig County
What the Craig County economy runs on
- County GDP, 2024$589.2 m
- County GDP, 2023$581.1 m
- GDP change, 2023 to 20241.4 percent
- GDP change over five years25.4 percent
- Rank by GDP among Oklahoma counties54th
- Rank by GDP among US county-equivalents2288th
- GDP per resident$41,198
Output grew 1.4 percent in the latest year and 25.4 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.
Craig County
Who employs people in Craig County
- Covered employment, annual average4,998
- Establishments reporting432
- Average annual pay$45,540
- Average weekly wage$876
- Sector 44-45, employment654
- Sector 44-45, average annual pay$33,085
- Sector 42, employment230
- Sector 42, average annual pay$54,773
- Sector 52, employment171
- Sector 52, average annual pay$62,540
- Sector 22, employment167
- Sector 22, average annual pay$87,059
- Sector 31-33, employment160
- Sector 48-49, employment151
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 654 | 64 | $33,085 |
| Sector 42 | 230 | 23 | $54,773 |
| Sector 52 | 171 | 26 | $62,540 |
| Sector 22 | 167 | 5 | $87,059 |
| Sector 31-33 | 160 | 12 | $45,163 |
| Sector 48-49 | 151 | 19 | $60,833 |
| Sector 81 | 118 | 25 | $46,974 |
| Sector 23 | 90 | 28 | $51,808 |
The largest sector is the biggest private employer group at 654 jobs, 13.1 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.
Craig County
What businesses operate in Craig County
- Establishments, all industries340
- Employment at those establishments3,973
- Annual payroll$166.8 m
- Establishments per 1,000 residents23.8
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Craig County
What is being built in Craig County
- Housing units authorised by permit, 202411
- Declared construction value permitted$3.3 m
- Single family units authorised11
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$302,641
- Units authorised per 1,000 households2.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Craig County
How much SBA lending happens in Craig County
- 7(a) approvals recorded9
- 7(a) gross approval dollars$9.3 m
- Average 7(a) approval$1,035,400
- Median 7(a) approval$566,700
- 10th percentile approval$50,000
- 90th percentile approval$4,143,000
- Largest single approval$4,143,000
- Jobs reported supported, 7(a)38
- Jobs per approval4.2
- Distinct 7(a) lenders active7
- Distinct industries receiving approvals7
- Median 7(a) term180 months
- Share of loans on real estate terms, 240 months or longer33.3 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter4
- Franchise loans1
- Franchise share of approvals11.1 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (3)
- Most active lenderLive Oak Banking Company (2)
- 504 approvals recorded1
- 504 gross approval dollars$126,000
- Average 504 approval$126,000
- Median 504 approval$126,000
- Distinct CDCs active1
- 504 jobs per approval1.0
- 504 jobs per million dollars approved7.9
- Most active CDCSmall Business Capital Corporation (1)
- 7(a) share of SBA approvals90.0 percent
- Combined SBA approval dollars$9.4 m
The average approval of $1,035,400 sits well above the median of $566,700, 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.
Craig County
Do SBA loans in Craig County get paid back
- Loans with a final outcome recorded3
- Paid in full3
- Charged off0
- Status: Paid in full3
- Status: Exempt from disclosure5
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Craig County
Which parts of Craig County get the lending
- Places in the county with recorded lending4
- Vinita, approvals6
- Big Cabin, approvals1
- Ketchum, approvals1
- WELCH, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Vinita | 6 | $6,746,400 |
| Big Cabin | 1 | $1,062,000 |
| Ketchum | 1 | $140,200 |
| WELCH | 1 | $1,370,000 |
Vinita accounts for 6 approvals against 1 in Big Cabin. 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.
Craig County
How big is Craig County
- Land area761 sq mi
- Rank by land area among Oklahoma counties43rd of 77
- Width, east to west23.9 mi
- Height, north to south33.8 mi
- Geographies sharing a boundary5
- Residents per square mile of land19
- Establishments per square mile0.45
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 Craig 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 Craig County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population14,302
- Households5,190
- Average household size2.76
- Median household income$51,922
- Median age40.6
Common questions
Craig County questions, answered from the record.
How many people live in Craig County, Oklahoma?
14,302, in 5,190 households, ranking 47th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Craig County growing?
The population has grown 2.83 percent since the 2020 census base. In 2024 there were 165 births against 217 deaths, with net migration of 81. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Craig County?
$51,922. The median owner-occupied home is valued at $150,500, which is 2.9 times income, and median gross rent is $810 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Craig County?
340 establishments, employing 3,973 people with an annual payroll of $166.8 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 Craig County?
Average annual pay is $45,540, or $876 a week, across 4,998 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Craig County?
9 7(a) approvals totalling $9.3 m since FY2020, across 7 lenders, with a median approval of $566,700, plus 1 504 approvals worth $126,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Craig County?
11 housing units were authorised by permit in 2024, with a declared construction value of $3.3 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Craig 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 Craig County come from?
The largest single origin is Craig County Non-migrants, with 4,213 households. Arriving households report an average income of $45,114 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 Craig 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 Craig 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.