Osage County, Oklahoma: commercial real estate data.
Osage County, Oklahoma has a population of 45,997 across 2,246 square miles, up 1.4 percent since the 2020 census base. County output reached $1.34 bn in 2024, 608 establishments operate here, and the SBA record carries 19 7(a) approvals worth $9.8 m.
111 sourced county values · tier FULL · 11 sections
Osage County
How many people live in Osage County
- Population45,997
- Households17,374
- Average household size2.65
- Median household income$62,847
- Median age43.5
- Median gross rent$777 per month
- Median owner-occupied home value$182,100
- Home value to household income2.9 times
- Annual rent as a share of median income14.8 percent
- Adults 25 and over with a bachelor degree or higher22.7 percent
- Adults 25 and over with a graduate degree7.5 percent
- Adults 25 and over32,871
- Population under 189,617
- Share under 1820.9 percent
- Population 65 and over9,834
- Share 65 and over21.4 percent
- Working age population, 18 to 6426,546
- Civilian labor force20,465
- Unemployment rate5.3 percent
- Labor force participation, adults 18 and over56.3 percent
- Rank by population among Oklahoma counties20th of 77
- Rank by population among US county-equivalents1083rd
Osage County is the 20th largest of 77 Oklahoma counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 21.4 percent against 20.9 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Osage County
Is Osage County growing
- Population change since the 2020 census base1.45 percent
- Census 2020 base population45,829
- Births, 2024349
- Deaths, 2024539
- Natural change, 2024-190
- Net domestic migration, 2024680
- Net international migration, 20243
- Total net migration, 2024683
- Cumulative net domestic migration, 2021 to 20241,583
- Rank by growth among US county-equivalents1352nd
The county has grown 1.45 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.
Osage County
Where people moving to Osage County come from
- Tax returns filed by households arriving1,480
- People arriving, from those returns2,931
- Adjusted gross income arriving$76.8 m
- Net adjusted gross income movement$0
- Average income of an arriving household$51,889
- Largest single originOsage County Non-migrants (14,100 households)
- Largest single destination (14,100 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Osage County Non-migrants | 14,100 | 30,319 | $989.4 m |
| Tulsa County | 675 | 1,358 | $35.0 m |
| Other flows - Different State | 342 | 671 | $20.4 m |
| Other flows - West | 138 | 299 | $8.0 m |
| Other flows - South | 113 | 198 | $5.5 m |
| Other flows - Same State | 111 | 193 | $4.5 m |
| Other flows - Midwest | 91 | 174 | $6.9 m |
| Washington County | 88 | 188 | $4.0 m |
The largest single source of arrivals is Osage 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.
Osage County
What the Osage County economy runs on
- County GDP, 2024$1.34 bn
- County GDP, 2023$1.37 bn
- GDP change, 2023 to 2024-2.3 percent
- GDP change over five years52.0 percent
- Rank by GDP among Oklahoma counties34th
- Rank by GDP among US county-equivalents1604th
- GDP per resident$29,192
Output grew -2.3 percent in the latest year and 52.0 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.
Osage County
Who employs people in Osage County
- Covered employment, annual average7,666
- Establishments reporting560
- Average annual pay$50,858
- Average weekly wage$978
- Sector 44-45, employment875
- Sector 44-45, average annual pay$28,644
- Sector 72, employment490
- Sector 72, average annual pay$19,028
- Sector 31-33, employment462
- Sector 31-33, average annual pay$73,745
- Sector 23, employment370
- Sector 23, average annual pay$56,429
- Sector 21, employment324
- Sector 54, employment269
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 875 | 86 | $28,644 |
| Sector 72 | 490 | 32 | $19,028 |
| Sector 31-33 | 462 | 27 | $73,745 |
| Sector 23 | 370 | 52 | $56,429 |
| Sector 21 | 324 | 38 | $53,341 |
| Sector 54 | 269 | 36 | $117,253 |
| Sector 71 | 172 | 7 | $35,235 |
| Sector 52 | 145 | 28 | $73,392 |
The largest sector is the biggest private employer group at 875 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.
Osage County
What businesses operate in Osage County
- Establishments, all industries608
- Employment at those establishments5,414
- Annual payroll$232.1 m
- Establishments per 1,000 residents13.2
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.
Osage County
What is being built in Osage County
- Housing units authorised by permit, 202489
- Declared construction value permitted$29.0 m
- Single family units authorised89
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$325,869
- Units authorised per 1,000 households5.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Osage County
How much SBA lending happens in Osage County
- 7(a) approvals recorded19
- 7(a) gross approval dollars$9.8 m
- Average 7(a) approval$514,621
- Median 7(a) approval$257,000
- 10th percentile approval$51,200
- 90th percentile approval$1,800,000
- Largest single approval$2,000,000
- Jobs reported supported, 7(a)149
- Jobs per approval7.8
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals17
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer26.3 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter12
- Franchise loans1
- Franchise share of approvals5.3 percent
- Leading industry by approval countAircraft Manufacturing (3)
- Most active lenderBancFirst (6)
The average approval of $514,621 sits well above the median of $257,000, 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 26.3 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.
Osage County
Do SBA loans in Osage County get paid back
- Loans with a final outcome recorded6
- Paid in full3
- Charged off3
- Status: Paid in full3
- Status: Charged off3
- Status: Exempt from disclosure11
- Status: Cancelled2
Too few loans have reached a final outcome to publish a charge off rate. only 6 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.
Osage County
Which parts of Osage County get the lending
- Places in the county with recorded lending9
- Skiatook, approvals5
- PAWHUSKA, approvals3
- Bartlesville, approvals2
- Sperry, approvals2
- Sand Springs, approvals2
- Barnsdall, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Skiatook | 5 | $2,719,000 |
| PAWHUSKA | 3 | $995,300 |
| Bartlesville | 2 | $1,870,800 |
| Sperry | 2 | $616,200 |
| Sand Springs | 2 | $307,000 |
| Barnsdall | 2 | $1,300,000 |
| Hominy | 1 | $89,500 |
| FAIRFAX | 1 | $1,800,000 |
Skiatook accounts for 5 approvals against 3 in PAWHUSKA. 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.
Osage County
How big is Osage County
- Land area2,246 sq mi
- Rank by land area among Oklahoma counties1st of 77
- Width, east to west59 mi
- Height, north to south57.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land20
- Establishments per square mile0.27
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 Osage 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 Osage County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population45,997
- Households17,374
- Average household size2.65
- Median household income$62,847
- Median age43.5
Common questions
Osage County questions, answered from the record.
How many people live in Osage County, Oklahoma?
45,997, in 17,374 households, ranking 20th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Osage County growing?
The population has grown 1.45 percent since the 2020 census base. In 2024 there were 349 births against 539 deaths, with net migration of 683. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Osage County?
$62,847. The median owner-occupied home is valued at $182,100, which is 2.9 times income, and median gross rent is $777 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Osage County?
608 establishments, employing 5,414 people with an annual payroll of $232.1 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 Osage County?
Average annual pay is $50,858, or $978 a week, across 7,666 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Osage County?
19 7(a) approvals totalling $9.8 m since FY2020, across 12 lenders, with a median approval of $257,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Osage County?
89 housing units were authorised by permit in 2024, with a declared construction value of $29.0 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Osage 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 Osage County come from?
The largest single origin is Osage County Non-migrants, with 14,100 households. Arriving households report an average income of $51,889 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 Osage 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 Osage 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.