Kay County, Oklahoma: commercial real estate data.
Kay County, Oklahoma has a population of 43,625 across 920 square miles, down 0.6 percent since the 2020 census base. County output reached $2.33 bn in 2024, 1,047 establishments operate here, and the SBA record carries 23 7(a) approvals worth $16.2 m.
120 sourced county values · tier FULL · 11 sections
Kay County
How many people live in Kay County
- Population43,625
- Households16,776
- Average household size2.60
- Median household income$58,423
- Median age38.5
- Median gross rent$842 per month
- Median owner-occupied home value$124,700
- Home value to household income2.1 times
- Annual rent as a share of median income17.3 percent
- Adults 25 and over with a bachelor degree or higher19.2 percent
- Adults 25 and over with a graduate degree6.3 percent
- Adults 25 and over28,907
- Population under 1810,822
- Share under 1824.8 percent
- Population 65 and over8,448
- Share 65 and over19.4 percent
- Working age population, 18 to 6424,355
- Civilian labor force19,950
- Unemployment rate5.8 percent
- Labor force participation, adults 18 and over60.8 percent
- Rank by population among Oklahoma counties22nd of 77
- Rank by population among US county-equivalents1133rd
Kay County is the 22nd largest of 77 Oklahoma counties by population. A median home costs 2.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.8 percent against 19.4 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kay County
Is Kay County growing
- Population change since the 2020 census base-0.60 percent
- Census 2020 base population43,700
- Births, 2024537
- Deaths, 2024574
- Natural change, 2024-37
- Net domestic migration, 2024-176
- Net international migration, 202430
- Total net migration, 2024-146
- Cumulative net domestic migration, 2021 to 2024294
- Rank by growth among US county-equivalents2057th
The county has lost 0.60 percent of its population since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Kay County
Where people moving to Kay County come from
- Tax returns filed by households arriving950
- People arriving, from those returns1,790
- Adjusted gross income arriving$43.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,547
- Largest single originKay County Non-migrants (14,782 households)
- Largest single destination (14,782 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kay County Non-migrants | 14,782 | 31,055 | $1.03 bn |
| Other flows - Different State | 365 | 715 | $18.8 m |
| Other flows - Same State | 212 | 389 | $8.9 m |
| Other flows - West | 143 | 274 | $6.9 m |
| Other flows - South | 126 | 249 | $7.4 m |
| Other flows - Midwest | 96 | 192 | $4.5 m |
| Osage County | 70 | 153 | $3.0 m |
| Payne County | 64 | 105 | $3.0 m |
The largest single source of arrivals is Kay 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.
Kay County
What the Kay County economy runs on
- County GDP, 2024$2.33 bn
- County GDP, 2023$2.31 bn
- GDP change, 2023 to 20241.1 percent
- GDP change over five years24.5 percent
- Rank by GDP among Oklahoma counties21st
- Rank by GDP among US county-equivalents1158th
- GDP per resident$53,470
Output grew 1.1 percent in the latest year and 24.5 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.
Kay County
Who employs people in Kay County
- Covered employment, annual average17,181
- Establishments reporting1,232
- Average annual pay$49,720
- Average weekly wage$956
- Sector 44-45, employment2,251
- Sector 44-45, average annual pay$32,851
- Sector 31-33, employment2,188
- Sector 31-33, average annual pay$57,425
- Sector 62, employment1,942
- Sector 62, average annual pay$44,651
- Sector 72, employment1,561
- Sector 72, average annual pay$18,429
- Sector 23, employment892
- Sector 56, employment656
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 2,251 | 174 | $32,851 |
| Sector 31-33 | 2,188 | 58 | $57,425 |
| Sector 62 | 1,942 | 118 | $44,651 |
| Sector 72 | 1,561 | 104 | $18,429 |
| Sector 23 | 892 | 113 | $64,398 |
| Sector 56 | 656 | 58 | $38,654 |
| Sector 48-49 | 538 | 40 | $67,579 |
| Sector 42 | 438 | 60 | $67,589 |
The largest sector is the biggest private employer group at 2,251 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.
Kay County
What businesses operate in Kay County
- Establishments, all industries1,047
- Employment at those establishments14,063
- Annual payroll$657.6 m
- Establishments per 1,000 residents24.0
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.
Kay County
What is being built in Kay County
- Housing units authorised by permit, 202415
- Declared construction value permitted$3.4 m
- Single family units authorised15
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$224,920
- Units authorised per 1,000 households0.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Kay County
How much SBA lending happens in Kay County
- 7(a) approvals recorded23
- 7(a) gross approval dollars$16.2 m
- Average 7(a) approval$706,343
- Median 7(a) approval$287,100
- 10th percentile approval$50,000
- 90th percentile approval$1,755,800
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)336
- Jobs per approval14.6
- Distinct 7(a) lenders active10
- Distinct industries receiving approvals19
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer30.4 percent
- Loans on real estate terms7
- Loans on working capital terms, 120 months or shorter12
- Franchise loans5
- Franchise share of approvals21.7 percent
- Leading industry by approval countHotels (except Casino Hotels) and Motels (2)
- Most active lenderEquity Bank (10)
- 504 approvals recorded5
- 504 gross approval dollars$1.3 m
- Average 504 approval$267,200
- Median 504 approval$335,000
- Distinct CDCs active3
- 504 jobs per approval8.2
- 504 jobs per million dollars approved30.7
- Most active CDCRural Enterprises of Oklahoma, Inc. (3)
- 7(a) share of SBA approvals82.1 percent
- Combined SBA approval dollars$17.6 m
The average approval of $706,343 sits well above the median of $287,100, 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. 30.4 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.
Kay County
Do SBA loans in Kay County get paid back
- Loans with a final outcome recorded4
- Paid in full3
- Charged off1
- Status: Charged off1
- Status: Paid in full3
- Status: Cancelled4
- Status: Exempt from disclosure15
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.
Kay County
Which parts of Kay County get the lending
- Places in the county with recorded lending5
- PONCA CITY, approvals15
- BLACKWELL, approvals5
- Newkirk, approvals1
- TONKAWA, approvals1
- RAMONA, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| PONCA CITY | 15 | $12,015,100 |
| BLACKWELL | 5 | $3,749,800 |
| Newkirk | 1 | $61,000 |
| TONKAWA | 1 | $270,000 |
| RAMONA | 1 | $150,000 |
PONCA CITY accounts for 15 approvals against 5 in BLACKWELL. 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.
Kay County
How big is Kay County
- Land area920 sq mi
- Rank by land area among Oklahoma counties28th of 77
- Width, east to west39.4 mi
- Height, north to south28 mi
- Geographies sharing a boundary4
- Residents per square mile of land47
- Establishments per square mile1.14
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 Kay 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 Kay County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population43,625
- Households16,776
- Average household size2.60
- Median household income$58,423
- Median age38.5
Common questions
Kay County questions, answered from the record.
How many people live in Kay County, Oklahoma?
43,625, in 16,776 households, ranking 22nd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kay County growing?
The population has fallen 0.60 percent since the 2020 census base. In 2024 there were 537 births against 574 deaths, with net migration of -146. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kay County?
$58,423. The median owner-occupied home is valued at $124,700, which is 2.1 times income, and median gross rent is $842 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kay County?
1,047 establishments, employing 14,063 people with an annual payroll of $657.6 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 Kay County?
Average annual pay is $49,720, or $956 a week, across 17,181 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kay County?
23 7(a) approvals totalling $16.2 m since FY2020, across 10 lenders, with a median approval of $287,100, plus 5 504 approvals worth $1.3 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Kay County?
15 housing units were authorised by permit in 2024, with a declared construction value of $3.4 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kay 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 Kay County come from?
The largest single origin is Kay County Non-migrants, with 14,782 households. Arriving households report an average income of $45,547 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 Kay 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 Kay 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.