Garvin County, Oklahoma: commercial real estate data.
Garvin County, Oklahoma has a population of 25,860 across 802 square miles, up 1.9 percent since the 2020 census base. County output reached $2.03 bn in 2024, 697 establishments operate here, and the SBA record carries 17 7(a) approvals worth $17.0 m.
121 sourced county values · tier FULL · 11 sections
Garvin County
How many people live in Garvin County
- Population25,860
- Households10,110
- Average household size2.56
- Median household income$58,556
- Median age38.6
- Median gross rent$825 per month
- Median owner-occupied home value$147,800
- Home value to household income2.5 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent
- Adults 25 and over with a graduate degree6.7 percent
- Adults 25 and over17,364
- Population under 186,487
- Share under 1825.1 percent
- Population 65 and over4,670
- Share 65 and over18.1 percent
- Working age population, 18 to 6414,703
- Civilian labor force11,380
- Unemployment rate3.4 percent
- Labor force participation, adults 18 and over58.7 percent
- Rank by population among Oklahoma counties35th of 77
- Rank by population among US county-equivalents1621st
Garvin County is the 35th 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 25.1 percent against 18.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Garvin County
Is Garvin County growing
- Population change since the 2020 census base1.90 percent
- Census 2020 base population25,661
- Births, 2024314
- Deaths, 2024387
- Natural change, 2024-73
- Net domestic migration, 2024258
- Net international migration, 202448
- Total net migration, 2024306
- Cumulative net domestic migration, 2021 to 2024800
- Rank by growth among US county-equivalents1200th
The county has grown 1.90 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.
Garvin County
Where people moving to Garvin County come from
- Tax returns filed by households arriving737
- People arriving, from those returns1,547
- Adjusted gross income arriving$34.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$46,847
- Largest single originGarvin County Non-migrants (8,432 households)
- Largest single destination (8,432 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Garvin County Non-migrants | 8,432 | 18,333 | $514.5 m |
| Other flows - Different State | 229 | 510 | $11.5 m |
| Other flows - Same State | 125 | 247 | $5.5 m |
| Other flows - South | 125 | 292 | $7.2 m |
| Cleveland County | 88 | 179 | $4.9 m |
| McClain County | 77 | 148 | $3.5 m |
| Other flows - West | 68 | 146 | $3.0 m |
| Oklahoma County | 62 | 126 | $2.7 m |
The largest single source of arrivals is Garvin 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.
Garvin County
What the Garvin County economy runs on
- County GDP, 2024$2.03 bn
- County GDP, 2023$2.31 bn
- GDP change, 2023 to 2024-12.2 percent
- GDP change over five years42.3 percent
- Rank by GDP among Oklahoma counties24th
- Rank by GDP among US county-equivalents1264th
- GDP per resident$78,533
Output grew -12.2 percent in the latest year and 42.3 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.
Garvin County
Who employs people in Garvin County
- Covered employment, annual average9,747
- Establishments reporting860
- Average annual pay$56,234
- Average weekly wage$1,081
- Sector 48-49, employment1,565
- Sector 48-49, average annual pay$62,866
- Sector 44-45, employment1,271
- Sector 44-45, average annual pay$42,827
- Sector 31-33, employment927
- Sector 31-33, average annual pay$94,948
- Sector 23, employment614
- Sector 23, average annual pay$70,694
- Sector 21, employment529
- Sector 52, employment269
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 48-49 | 1,565 | 40 | $62,866 |
| Sector 44-45 | 1,271 | 102 | $42,827 |
| Sector 31-33 | 927 | 26 | $94,948 |
| Sector 23 | 614 | 102 | $70,694 |
| Sector 21 | 529 | 75 | $70,771 |
| Sector 52 | 269 | 56 | $62,856 |
| Sector 42 | 195 | 38 | $69,368 |
| Sector 81 | 115 | 40 | $47,014 |
The largest sector is the biggest private employer group at 1,565 jobs, 16.1 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.
Garvin County
What businesses operate in Garvin County
- Establishments, all industries697
- Employment at those establishments7,848
- Annual payroll$423.3 m
- Establishments per 1,000 residents27.0
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.
Garvin County
What is being built in Garvin County
- Housing units authorised by permit, 20241
- Declared construction value permitted$211,333
- Single family units authorised1
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$211,333
- Units authorised per 1,000 households0.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Garvin County
How much SBA lending happens in Garvin County
- 7(a) approvals recorded17
- 7(a) gross approval dollars$17.0 m
- Average 7(a) approval$998,318
- Median 7(a) approval$566,300
- 10th percentile approval$25,000
- 90th percentile approval$2,852,700
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)154
- Jobs per approval9.1
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals14
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.4 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter9
- Franchise loans2
- Franchise share of approvals11.8 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (3)
- Most active lenderBancFirst (3)
- 504 approvals recorded3
- 504 gross approval dollars$3.4 m
- Average 504 approval$1,144,333
- Median 504 approval$1,540,000
- Distinct CDCs active2
- 504 jobs per approval12.3
- 504 jobs per million dollars approved10.8
- Most active CDCRural Enterprises of Oklahoma, Inc. (2)
- 7(a) share of SBA approvals85.0 percent
- Combined SBA approval dollars$20.4 m
The average approval of $998,318 sits well above the median of $566,300, 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 29.4 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.
Garvin County
Do SBA loans in Garvin County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Exempt from disclosure11
- Status: Paid in full4
- Status: Cancelled1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 4 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.
Garvin County
Which parts of Garvin County get the lending
- Places in the county with recorded lending7
- PAULS VALLEY, approvals6
- LINDSAY, approvals4
- MAYSVILLE, approvals2
- Wynnewood, approvals2
- Paul'S Valley, approvals1
- Elmore City, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PAULS VALLEY | 6 | $5,097,700 |
| LINDSAY | 4 | $3,569,900 |
| MAYSVILLE | 2 | $1,462,500 |
| Wynnewood | 2 | $675,000 |
| Paul'S Valley | 1 | $5,000,000 |
| Elmore City | 1 | $566,300 |
| STRATFORD | 1 | $600,000 |
PAULS VALLEY accounts for 6 approvals against 4 in LINDSAY. 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.
Garvin County
How big is Garvin County
- Land area802 sq mi
- Rank by land area among Oklahoma counties40th of 77
- Width, east to west41.9 mi
- Height, north to south24.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land32
- Establishments per square mile0.87
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 Garvin 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 Garvin County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population25,860
- Households10,110
- Average household size2.56
- Median household income$58,556
- Median age38.6
Common questions
Garvin County questions, answered from the record.
How many people live in Garvin County, Oklahoma?
25,860, in 10,110 households, ranking 35th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Garvin County growing?
The population has grown 1.90 percent since the 2020 census base. In 2024 there were 314 births against 387 deaths, with net migration of 306. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Garvin County?
$58,556. The median owner-occupied home is valued at $147,800, which is 2.5 times income, and median gross rent is $825 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Garvin County?
697 establishments, employing 7,848 people with an annual payroll of $423.3 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 Garvin County?
Average annual pay is $56,234, or $1,081 a week, across 9,747 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Garvin County?
17 7(a) approvals totalling $17.0 m since FY2020, across 12 lenders, with a median approval of $566,300, plus 3 504 approvals worth $3.4 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Garvin County?
1 housing units were authorised by permit in 2024, with a declared construction value of $211,333. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Garvin 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 Garvin County come from?
The largest single origin is Garvin County Non-migrants, with 8,432 households. Arriving households report an average income of $46,847 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 Garvin 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 Garvin 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.