Garfield County, Oklahoma: commercial real estate data.
Garfield County, Oklahoma has a population of 62,146 across 1,058 square miles, down 1.3 percent since the 2020 census base. County output reached $3.90 bn in 2024, 1,532 establishments operate here, and the SBA record carries 44 7(a) approvals worth $38.9 m.
121 sourced county values · tier FULL · 11 sections
Garfield County
How many people live in Garfield County
- Population62,146
- Households23,893
- Average household size2.60
- Median household income$66,182
- Median age36.0
- Median gross rent$919 per month
- Median owner-occupied home value$160,100
- Home value to household income2.4 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher23.3 percent
- Adults 25 and over with a graduate degree7.0 percent
- Adults 25 and over40,402
- Population under 1816,105
- Share under 1825.9 percent
- Population 65 and over10,406
- Share 65 and over16.7 percent
- Working age population, 18 to 6435,635
- Civilian labor force29,743
- Unemployment rate4.9 percent
- Labor force participation, adults 18 and over64.6 percent
- Rank by population among Oklahoma counties12th of 77
- Rank by population among US county-equivalents874th
Garfield County is the 12th largest of 77 Oklahoma counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.9 percent against 16.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garfield County
Is Garfield County growing
- Population change since the 2020 census base-1.33 percent
- Census 2020 base population62,845
- Births, 2024837
- Deaths, 2024743
- Natural change, 202494
- Net domestic migration, 2024-288
- Net international migration, 2024149
- Total net migration, 2024-139
- Cumulative net domestic migration, 2021 to 2024-1,112
- Rank by growth among US county-equivalents2304th
The county has lost 1.33 percent of its population since the 2020 census base. Births exceeded deaths in 2024 but more people left than arrived, so the population is being sustained internally rather than attracting.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Garfield County
Where people moving to Garfield County come from
- Tax returns filed by households arriving1,550
- People arriving, from those returns3,011
- Adjusted gross income arriving$76.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,372
- Largest single originGarfield County Non-migrants (20,767 households)
- Largest single destination (20,767 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garfield County Non-migrants | 20,767 | 45,088 | $1.43 bn |
| Other flows - Different State | 805 | 1,570 | $40.8 m |
| Other flows - South | 315 | 634 | $15.7 m |
| Other flows - West | 285 | 563 | $15.0 m |
| Other flows - Same State | 190 | 353 | $8.1 m |
| Other flows - Midwest | 166 | 309 | $8.1 m |
| Oklahoma County | 116 | 209 | $6.4 m |
| El Paso County | 56 | 95 | $2.5 m |
The largest single source of arrivals is Garfield 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.
Garfield County
What the Garfield County economy runs on
- County GDP, 2024$3.90 bn
- County GDP, 2023$3.84 bn
- GDP change, 2023 to 20241.4 percent
- GDP change over five years42.4 percent
- Rank by GDP among Oklahoma counties10th
- Rank by GDP among US county-equivalents823rd
- GDP per resident$62,684
Output grew 1.4 percent in the latest year and 42.4 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.
Garfield County
Who employs people in Garfield County
- Covered employment, annual average23,271
- Establishments reporting1,757
- Average annual pay$50,343
- Average weekly wage$968
- Sector 62, employment3,284
- Sector 62, average annual pay$51,696
- Sector 44-45, employment3,018
- Sector 44-45, average annual pay$34,600
- Sector 31-33, employment2,514
- Sector 31-33, average annual pay$57,843
- Sector 72, employment2,227
- Sector 72, average annual pay$19,708
- Sector 56, employment1,664
- Sector 54, employment1,200
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,284 | 204 | $51,696 |
| Sector 44-45 | 3,018 | 250 | $34,600 |
| Sector 31-33 | 2,514 | 52 | $57,843 |
| Sector 72 | 2,227 | 124 | $19,708 |
| Sector 56 | 1,664 | 89 | $49,340 |
| Sector 54 | 1,200 | 180 | $71,545 |
| Sector 23 | 1,038 | 156 | $58,397 |
| Sector 42 | 876 | 102 | $72,759 |
The largest sector is the biggest private employer group at 3,284 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.
Garfield County
What businesses operate in Garfield County
- Establishments, all industries1,532
- Employment at those establishments20,094
- Annual payroll$920.5 m
- Establishments per 1,000 residents24.7
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.
Garfield County
What is being built in Garfield County
- Housing units authorised by permit, 202419
- Declared construction value permitted$3.0 m
- Single family units authorised9
- Multifamily units authorised10
- Multifamily share of units52.6 percent
- Average declared value per unit$157,105
- Units authorised per 1,000 households0.8
Multifamily is 52.6 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Garfield County
How much SBA lending happens in Garfield County
- 7(a) approvals recorded44
- 7(a) gross approval dollars$38.9 m
- Average 7(a) approval$883,225
- Median 7(a) approval$350,000
- 10th percentile approval$50,000
- 90th percentile approval$3,235,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)908
- Jobs per approval20.6
- Distinct 7(a) lenders active21
- Distinct industries receiving approvals26
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer15.9 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter33
- Franchise loans4
- Franchise share of approvals9.1 percent
- Leading industry by approval countInsurance Agencies and Brokerages (5)
- Most active lenderCowboy Bank (10)
- 504 approvals recorded10
- 504 gross approval dollars$7.2 m
- Average 504 approval$715,400
- Median 504 approval$410,000
- Distinct CDCs active3
- 504 jobs per approval5.0
- 504 jobs per million dollars approved7.0
- Most active CDCRural Enterprises of Oklahoma, Inc. (7)
- 7(a) share of SBA approvals81.5 percent
- Combined SBA approval dollars$46.0 m
The average approval of $883,225 sits well above the median of $350,000, 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. Only 15.9 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.
Garfield County
Do SBA loans in Garfield County get paid back
- Loans with a final outcome recorded13
- Paid in full11
- Charged off2
- Charge off rate on resolved loans15.4 percent
- Status: Paid in full11
- Status: Exempt from disclosure18
- Status: Cancelled9
- Status: Charged off2
- Status: Committed, not yet disbursed4
Of the 13 loans that have reached a final outcome, 15.4 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.
Garfield County
Which parts of Garfield County get the lending
- Places in the county with recorded lending4
- Enid, approvals37
- LAHOMA, approvals3
- DRUMMOND, approvals2
- WAUKOMIS, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Enid | 37 | $35,327,700 |
| LAHOMA | 3 | $299,200 |
| DRUMMOND | 2 | $1,869,000 |
| WAUKOMIS | 2 | $1,366,000 |
Enid accounts for 37 approvals against 3 in LAHOMA. 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.
Garfield County
How big is Garfield County
- Land area1,058 sq mi
- Rank by land area among Oklahoma counties16th of 77
- Width, east to west35.8 mi
- Height, north to south29.6 mi
- Geographies sharing a boundary7
- Residents per square mile of land59
- Establishments per square mile1.45
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 Garfield 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 Garfield County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population62,146
- Households23,893
- Average household size2.60
- Median household income$66,182
- Median age36.0
Common questions
Garfield County questions, answered from the record.
How many people live in Garfield County, Oklahoma?
62,146, in 23,893 households, ranking 12th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garfield County growing?
The population has fallen 1.33 percent since the 2020 census base. In 2024 there were 837 births against 743 deaths, with net migration of -139. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garfield County?
$66,182. The median owner-occupied home is valued at $160,100, which is 2.4 times income, and median gross rent is $919 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Garfield County?
1,532 establishments, employing 20,094 people with an annual payroll of $920.5 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 Garfield County?
Average annual pay is $50,343, or $968 a week, across 23,271 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garfield County?
44 7(a) approvals totalling $38.9 m since FY2020, across 21 lenders, with a median approval of $350,000, plus 10 504 approvals worth $7.2 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Garfield County get paid back?
Of the 13 loans that have reached a final outcome, 11 were paid in full and 2 charged off, a charge off rate of 15.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Garfield County?
19 housing units were authorised by permit in 2024, with a declared construction value of $3.0 m. Multifamily was 52.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garfield 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 Garfield County come from?
The largest single origin is Garfield County Non-migrants, with 20,767 households. Arriving households report an average income of $49,372 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 Garfield 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 Garfield 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.