Kiowa County, Oklahoma: commercial real estate data.
Kiowa County, Oklahoma has a population of 8,383 across 1,015 square miles, down 2.9 percent since the 2020 census base. County output reached $255.4 m in 2024, 163 establishments operate here, and the SBA record carries 8 7(a) approvals worth $3.4 m.
103 sourced county values · tier FULL · 11 sections
Kiowa County
How many people live in Kiowa County
- Population8,383
- Households3,438
- Average household size2.44
- Median household income$44,962
- Median age42.4
- Median gross rent$780 per month
- Median owner-occupied home value$96,100
- Home value to household income2.1 times
- Annual rent as a share of median income20.8 percent
- Adults 25 and over with a bachelor degree or higher16.7 percent
- Adults 25 and over with a graduate degree4.9 percent
- Adults 25 and over5,783
- Population under 182,021
- Share under 1824.1 percent
- Population 65 and over1,704
- Share 65 and over20.3 percent
- Working age population, 18 to 644,658
- Civilian labor force3,532
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over55.5 percent
- Rank by population among Oklahoma counties62nd of 77
- Rank by population among US county-equivalents2619th
Kiowa County is the 62nd 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 24.1 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Kiowa County
Is Kiowa County growing
- Population change since the 2020 census base-2.92 percent
- Census 2020 base population8,505
- Births, 202481
- Deaths, 2024155
- Natural change, 2024-74
- Net domestic migration, 20245
- Net international migration, 20245
- Total net migration, 202410
- Cumulative net domestic migration, 2021 to 202431
- Rank by growth among US county-equivalents2726th
The county has lost 2.92 percent of its population 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.
Kiowa County
Where people moving to Kiowa County come from
- Tax returns filed by households arriving173
- People arriving, from those returns367
- Adjusted gross income arriving$6.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$34,699
- Largest single originKiowa County Non-migrants (2,548 households)
- Largest single destination (2,548 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Kiowa County Non-migrants | 2,548 | 5,552 | $132.3 m |
| Other flows - Same State | 111 | 242 | $3.7 m |
| Other flows - Different State | 42 | 85 | $1.6 m |
| Other flows - South | 42 | 85 | $1.6 m |
| Jackson County | 20 | 40 | $649,000 |
The largest single source of arrivals is Kiowa 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.
Kiowa County
What the Kiowa County economy runs on
- County GDP, 2024$255.4 m
- County GDP, 2023$288.7 m
- GDP change, 2023 to 2024-11.5 percent
- GDP change over five years0.2 percent
- Rank by GDP among Oklahoma counties71st
- Rank by GDP among US county-equivalents2793rd
- GDP per resident$30,463
Output grew -11.5 percent in the latest year and 0.2 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.
Kiowa County
Who employs people in Kiowa County
- Covered employment, annual average1,980
- Establishments reporting242
- Average annual pay$44,330
- Average weekly wage$852
- Sector 44-45, employment276
- Sector 44-45, average annual pay$25,726
- Sector 11, employment108
- Sector 11, average annual pay$46,763
- Sector 52, employment102
- Sector 52, average annual pay$61,779
- Sector 22, employment98
- Sector 22, average annual pay$133,488
- Sector 21, employment80
- Sector 42, employment71
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 276 | 30 | $25,726 |
| Sector 11 | 108 | 11 | $46,763 |
| Sector 52 | 102 | 20 | $61,779 |
| Sector 22 | 98 | 4 | $133,488 |
| Sector 21 | 80 | 6 | $71,992 |
| Sector 42 | 71 | 13 | $38,599 |
| Sector 48-49 | 39 | 9 | $68,428 |
| Sector 53 | 12 | 3 | $44,546 |
The largest sector is the biggest private employer group at 276 jobs, 13.9 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.
Kiowa County
What businesses operate in Kiowa County
- Establishments, all industries163
- Employment at those establishments1,294
- Annual payroll$48.7 m
- Establishments per 1,000 residents19.4
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.
Kiowa County
What is being built in Kiowa County
- Housing units authorised by permit, 20240
- Declared construction value permitted$0
- Single family units authorised0
- Multifamily units authorised0
No residential units were authorised by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Kiowa County
How much SBA lending happens in Kiowa County
- 7(a) approvals recorded8
- 7(a) gross approval dollars$3.4 m
- Average 7(a) approval$426,563
- Median 7(a) approval$92,000
- 10th percentile approval$15,000
- 90th percentile approval$2,543,000
- Largest single approval$2,543,000
- Jobs reported supported, 7(a)29
- Jobs per approval3.6
- Distinct 7(a) lenders active4
- Distinct industries receiving approvals8
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer12.5 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter6
- Franchise loans1
- Franchise share of approvals12.5 percent
- Leading industry by approval countFuneral Homes and Funeral Services (1)
- Most active lenderBancFirst (4)
The average approval of $426,563 sits well above the median of $92,000, 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 12.5 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.
Kiowa County
Do SBA loans in Kiowa County get paid back
- Loans with a final outcome recorded1
- Paid in full1
- Charged off0
- Status: Exempt from disclosure6
- Status: Paid in full1
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 1 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.
Kiowa County
Which parts of Kiowa County get the lending
- Places in the county with recorded lending2
- HOBART, approvals7
- MOUNTAIN VIEW, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| HOBART | 7 | $3,262,500 |
| MOUNTAIN VIEW | 1 | $150,000 |
HOBART accounts for 7 approvals against 1 in MOUNTAIN VIEW. 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.
Kiowa County
How big is Kiowa County
- Land area1,015 sq mi
- Rank by land area among Oklahoma counties18th of 77
- Width, east to west44.8 mi
- Height, north to south36.1 mi
- Geographies sharing a boundary7
- Residents per square mile of land8
- Establishments per square mile0.16
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 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- 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 Kiowa 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 Kiowa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population8,383
- Households3,438
- Average household size2.44
- Median household income$44,962
- Median age42.4
Common questions
Kiowa County questions, answered from the record.
How many people live in Kiowa County, Oklahoma?
8,383, in 3,438 households, ranking 62nd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Kiowa County growing?
The population has fallen 2.92 percent since the 2020 census base. In 2024 there were 81 births against 155 deaths, with net migration of 10. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Kiowa County?
$44,962. The median owner-occupied home is valued at $96,100, which is 2.1 times income, and median gross rent is $780 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Kiowa County?
163 establishments, employing 1,294 people with an annual payroll of $48.7 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 Kiowa County?
Average annual pay is $44,330, or $852 a week, across 1,980 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Kiowa County?
8 7(a) approvals totalling $3.4 m since FY2020, across 4 lenders, with a median approval of $92,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Kiowa County?
No residential units were authorised by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Kiowa 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 Kiowa County come from?
The largest single origin is Kiowa County Non-migrants, with 2,548 households. Arriving households report an average income of $34,699 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 Kiowa 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 Kiowa 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.