Murray County, Oklahoma: commercial real estate data.
Murray County, Oklahoma has a population of 13,753 across 416 square miles, down 1.1 percent since the 2020 census base. County output reached $687.9 m in 2024, 291 establishments operate here, and the SBA record carries 2 7(a) approvals worth $1.4 m.
115 sourced county values · tier FULL · 11 sections
Murray County
How many people live in Murray County
- Population13,753
- Households4,956
- Average household size2.78
- Median household income$66,322
- Median age41.6
- Median gross rent$881 per month
- Median owner-occupied home value$159,800
- Home value to household income2.4 times
- Annual rent as a share of median income15.9 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree5.6 percent
- Adults 25 and over9,477
- Population under 183,123
- Share under 1822.7 percent
- Population 65 and over2,840
- Share 65 and over20.7 percent
- Working age population, 18 to 647,790
- Civilian labor force6,284
- Unemployment rate2.5 percent
- Labor force participation, adults 18 and over59.1 percent
- Rank by population among Oklahoma counties49th of 77
- Rank by population among US county-equivalents2245th
Murray County is the 49th 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 22.7 percent against 20.7 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Murray County
Is Murray County growing
- Population change since the 2020 census base-1.08 percent
- Census 2020 base population13,904
- Births, 2024146
- Deaths, 2024227
- Natural change, 2024-81
- Net domestic migration, 2024100
- Net international migration, 2024-1
- Total net migration, 202499
- Cumulative net domestic migration, 2021 to 2024210
- Rank by growth among US county-equivalents2217th
The county has lost 1.08 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.
Murray County
Where people moving to Murray County come from
- Tax returns filed by households arriving390
- People arriving, from those returns762
- Adjusted gross income arriving$18.6 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,664
- Largest single originMurray County Non-migrants (4,504 households)
- Largest single destination (4,504 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Murray County Non-migrants | 4,504 | 9,641 | $308.8 m |
| Other flows - Different State | 113 | 236 | $5.6 m |
| Other flows - South | 92 | 191 | $4.7 m |
| Other flows - Same State | 89 | 158 | $3.3 m |
| Garvin County | 55 | 102 | $2.6 m |
| Pontotoc County | 45 | 93 | $3.0 m |
| Carter County | 41 | 89 | $1.8 m |
| Oklahoma County | 27 | 49 | $1.3 m |
The largest single source of arrivals is Murray 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.
Murray County
What the Murray County economy runs on
- County GDP, 2024$687.9 m
- County GDP, 2023$689.4 m
- GDP change, 2023 to 2024-0.2 percent
- GDP change over five years29.8 percent
- Rank by GDP among Oklahoma counties50th
- Rank by GDP among US county-equivalents2159th
- GDP per resident$50,019
Output grew -0.2 percent in the latest year and 29.8 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.
Murray County
Who employs people in Murray County
- Covered employment, annual average4,854
- Establishments reporting384
- Average annual pay$49,119
- Average weekly wage$945
- Sector 44-45, employment555
- Sector 44-45, average annual pay$33,468
- Sector 31-33, employment524
- Sector 31-33, average annual pay$59,051
- Sector 72, employment329
- Sector 72, average annual pay$19,921
- Sector 23, employment319
- Sector 23, average annual pay$59,119
- Sector 42, employment311
- Sector 21, employment177
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 555 | 47 | $33,468 |
| Sector 31-33 | 524 | 18 | $59,051 |
| Sector 72 | 329 | 34 | $19,921 |
| Sector 23 | 319 | 37 | $59,119 |
| Sector 42 | 311 | 15 | $56,837 |
| Sector 21 | 177 | 8 | $76,220 |
| Sector 54 | 117 | 27 | $45,739 |
| Sector 71 | 24 | 4 | $47,478 |
The largest sector is the biggest private employer group at 555 jobs, 11.4 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.
Murray County
What businesses operate in Murray County
- Establishments, all industries291
- Employment at those establishments3,532
- Annual payroll$158.1 m
- Establishments per 1,000 residents21.2
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.
Murray County
What is being built in Murray County
- Housing units authorised by permit, 202413
- Declared construction value permitted$1.9 m
- Single family units authorised13
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$145,923
- Units authorised per 1,000 households2.6
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Murray County
How much SBA lending happens in Murray County
- 7(a) approvals recorded2
- 7(a) gross approval dollars$1.4 m
- Average 7(a) approval$681,000
- Median 7(a) approval$1,135,000
- 10th percentile approval$227,000
- 90th percentile approval$1,135,000
- Largest single approval$1,135,000
- Jobs reported supported, 7(a)18
- Jobs per approval9.0
- Distinct 7(a) lenders active2
- Distinct industries receiving approvals2
- Median 7(a) term306 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans1
- Franchise share of approvals50.0 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (1)
- Most active lenderLive Oak Banking Company (1)
- 504 approvals recorded3
- 504 gross approval dollars$610,000
- Average 504 approval$203,333
- Median 504 approval$205,000
- Distinct CDCs active1
- 504 jobs per approval3.0
- 504 jobs per million dollars approved14.8
- Most active CDCRural Enterprises of Oklahoma, Inc. (3)
- 7(a) share of SBA approvals40.0 percent
- Combined SBA approval dollars$2.0 m
The average approval of $681,000 sits close to the median of $1,135,000, so lending here is fairly evenly sized rather than driven by a few large deals. 50.0 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.
Murray County
Do SBA loans in Murray County get paid back
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 0 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.
Murray County
Which parts of Murray County get the lending
- Places in the county with recorded lending2
- DAVIS, approvals1
- SULPHUR, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| DAVIS | 1 | $227,000 |
| SULPHUR | 1 | $1,135,000 |
DAVIS accounts for 1 approvals against 1 in SULPHUR. 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.
Murray County
How big is Murray County
- Land area416 sq mi
- Rank by land area among Oklahoma counties75th of 77
- Width, east to west29.9 mi
- Height, north to south21 mi
- Geographies sharing a boundary4
- Residents per square mile of land33
- Establishments per square mile0.70
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 Murray 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 Murray County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population13,753
- Households4,956
- Average household size2.78
- Median household income$66,322
- Median age41.6
Common questions
Murray County questions, answered from the record.
How many people live in Murray County, Oklahoma?
13,753, in 4,956 households, ranking 49th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Murray County growing?
The population has fallen 1.08 percent since the 2020 census base. In 2024 there were 146 births against 227 deaths, with net migration of 99. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Murray County?
$66,322. The median owner-occupied home is valued at $159,800, which is 2.4 times income, and median gross rent is $881 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Murray County?
291 establishments, employing 3,532 people with an annual payroll of $158.1 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 Murray County?
Average annual pay is $49,119, or $945 a week, across 4,854 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Murray County?
2 7(a) approvals totalling $1.4 m since FY2020, across 2 lenders, with a median approval of $1,135,000, plus 3 504 approvals worth $610,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Murray County?
13 housing units were authorised by permit in 2024, with a declared construction value of $1.9 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Murray 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 Murray County come from?
The largest single origin is Murray County Non-migrants, with 4,504 households. Arriving households report an average income of $47,664 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 Murray 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 Murray 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.