Ottawa County, Oklahoma: commercial real estate data.
Ottawa County, Oklahoma has a population of 30,341 across 471 square miles, up 0.4 percent since the 2020 census base. County output reached $1.44 bn in 2024, 548 establishments operate here, and the SBA record carries 20 7(a) approvals worth $14.5 m.
120 sourced county values · tier FULL · 11 sections
Ottawa County
How many people live in Ottawa County
- Population30,341
- Households11,921
- Average household size2.55
- Median household income$49,947
- Median age37.2
- Median gross rent$788 per month
- Median owner-occupied home value$123,300
- Home value to household income2.5 times
- Annual rent as a share of median income18.9 percent
- Adults 25 and over with a bachelor degree or higher15.0 percent
- Adults 25 and over with a graduate degree4.7 percent
- Adults 25 and over19,639
- Population under 187,660
- Share under 1825.2 percent
- Population 65 and over5,500
- Share 65 and over18.1 percent
- Working age population, 18 to 6417,181
- Civilian labor force12,740
- Unemployment rate3.0 percent
- Labor force participation, adults 18 and over56.2 percent
- Rank by population among Oklahoma counties32nd of 77
- Rank by population among US county-equivalents1473rd
Ottawa County is the 32nd 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 25.2 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.
Ottawa County
Is Ottawa County growing
- Population change since the 2020 census base0.39 percent
- Census 2020 base population30,286
- Births, 2024409
- Deaths, 2024517
- Natural change, 2024-108
- Net domestic migration, 2024163
- Net international migration, 202432
- Total net migration, 2024195
- Cumulative net domestic migration, 2021 to 2024596
- Rank by growth among US county-equivalents1680th
The county has grown 0.39 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.
Ottawa County
Where people moving to Ottawa County come from
- Tax returns filed by households arriving795
- People arriving, from those returns1,504
- Adjusted gross income arriving$34.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$43,109
- Largest single originOttawa County Non-migrants (9,995 households)
- Largest single destination (9,995 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ottawa County Non-migrants | 9,995 | 21,208 | $504.8 m |
| Other flows - Different State | 273 | 524 | $13.2 m |
| Other flows - Midwest | 127 | 245 | $6.0 m |
| Delaware County | 124 | 238 | $5.2 m |
| Other flows - Same State | 88 | 131 | $3.1 m |
| Other flows - South | 84 | 153 | $3.8 m |
| Jasper County | 66 | 115 | $2.2 m |
| Other flows - West | 62 | 126 | $3.4 m |
The largest single source of arrivals is Ottawa 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.
Ottawa County
What the Ottawa County economy runs on
- County GDP, 2024$1.44 bn
- County GDP, 2023$1.39 bn
- GDP change, 2023 to 20243.8 percent
- GDP change over five years33.1 percent
- Rank by GDP among Oklahoma counties32nd
- Rank by GDP among US county-equivalents1553rd
- GDP per resident$47,386
Output grew 3.8 percent in the latest year and 33.1 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.
Ottawa County
Who employs people in Ottawa County
- Covered employment, annual average12,934
- Establishments reporting775
- Average annual pay$45,301
- Average weekly wage$871
- Sector 31-33, employment1,333
- Sector 31-33, average annual pay$54,991
- Sector 44-45, employment1,236
- Sector 44-45, average annual pay$35,063
- Sector 72, employment1,088
- Sector 72, average annual pay$19,692
- Sector 56, employment473
- Sector 56, average annual pay$38,174
- Sector 81, employment368
- Sector 23, employment318
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 1,333 | 45 | $54,991 |
| Sector 44-45 | 1,236 | 108 | $35,063 |
| Sector 72 | 1,088 | 49 | $19,692 |
| Sector 56 | 473 | 55 | $38,174 |
| Sector 81 | 368 | 46 | $36,243 |
| Sector 23 | 318 | 72 | $49,026 |
| Sector 52 | 248 | 48 | $61,184 |
| Sector 54 | 197 | 63 | $51,557 |
The largest sector is the biggest private employer group at 1,333 jobs, 10.3 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.
Ottawa County
What businesses operate in Ottawa County
- Establishments, all industries548
- Employment at those establishments8,370
- Annual payroll$355.9 m
- Establishments per 1,000 residents18.1
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.
Ottawa County
What is being built in Ottawa County
- Housing units authorised by permit, 202418
- Declared construction value permitted$3.4 m
- Single family units authorised16
- Multifamily units authorised2
- Multifamily share of units11.1 percent
- Average declared value per unit$190,767
- Units authorised per 1,000 households1.5
Multifamily is 11.1 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ottawa County
How much SBA lending happens in Ottawa County
- 7(a) approvals recorded20
- 7(a) gross approval dollars$14.5 m
- Average 7(a) approval$722,555
- Median 7(a) approval$338,500
- 10th percentile approval$42,000
- 90th percentile approval$2,990,000
- Largest single approval$3,627,000
- Jobs reported supported, 7(a)111
- Jobs per approval5.5
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals18
- Median 7(a) term240 months
- Share of loans on real estate terms, 240 months or longer50.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter10
- Franchise loans1
- Franchise share of approvals5.0 percent
- Leading industry by approval countBroilers and Other Meat Type Chicken Production (2)
- Most active lenderArvest Bank (5)
- 504 approvals recorded2
- 504 gross approval dollars$1.8 m
- Average 504 approval$923,000
- Median 504 approval$1,225,000
- Distinct CDCs active2
- 504 jobs per approval17.0
- 504 jobs per million dollars approved18.4
- Most active CDCSmall Business Capital Corporation (1)
- 7(a) share of SBA approvals90.9 percent
- Combined SBA approval dollars$16.3 m
The average approval of $722,555 sits well above the median of $338,500, 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. 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.
Ottawa County
Do SBA loans in Ottawa County get paid back
- Loans with a final outcome recorded3
- Paid in full2
- Charged off1
- Status: Charged off1
- Status: Paid in full2
- Status: Exempt from disclosure16
- Status: Cancelled1
Too few loans have reached a final outcome to publish a charge off rate. only 3 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.
Ottawa County
Which parts of Ottawa County get the lending
- Places in the county with recorded lending5
- MIAMI, approvals13
- AFTON, approvals4
- Wyandotte, approvals1
- QUAPAW, approvals1
- FAIRLAND, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| MIAMI | 13 | $9,461,300 |
| AFTON | 4 | $1,798,500 |
| Wyandotte | 1 | $20,300 |
| QUAPAW | 1 | $2,990,000 |
| FAIRLAND | 1 | $181,000 |
MIAMI accounts for 13 approvals against 4 in AFTON. 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.
Ottawa County
How big is Ottawa County
- Land area471 sq mi
- Rank by land area among Oklahoma counties74th of 77
- Width, east to west21.5 mi
- Height, north to south22.9 mi
- Geographies sharing a boundary2
- Residents per square mile of land64
- Establishments per square mile1.16
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 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 Ottawa 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 Ottawa County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population30,341
- Households11,921
- Average household size2.55
- Median household income$49,947
- Median age37.2
Common questions
Ottawa County questions, answered from the record.
How many people live in Ottawa County, Oklahoma?
30,341, in 11,921 households, ranking 32nd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ottawa County growing?
The population has grown 0.39 percent since the 2020 census base. In 2024 there were 409 births against 517 deaths, with net migration of 195. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ottawa County?
$49,947. The median owner-occupied home is valued at $123,300, which is 2.5 times income, and median gross rent is $788 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ottawa County?
548 establishments, employing 8,370 people with an annual payroll of $355.9 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 Ottawa County?
Average annual pay is $45,301, or $871 a week, across 12,934 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ottawa County?
20 7(a) approvals totalling $14.5 m since FY2020, across 12 lenders, with a median approval of $338,500, plus 2 504 approvals worth $1.8 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Ottawa County?
18 housing units were authorised by permit in 2024, with a declared construction value of $3.4 m. Multifamily was 11.1 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ottawa 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 Ottawa County come from?
The largest single origin is Ottawa County Non-migrants, with 9,995 households. Arriving households report an average income of $43,109 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 Ottawa 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 Ottawa 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.