Pawnee County, Oklahoma: commercial real estate data.
Pawnee County, Oklahoma has a population of 15,795 across 568 square miles, up 3.5 percent since the 2020 census base. County output reached $457.5 m in 2024, 263 establishments operate here, and the SBA record carries 17 7(a) approvals worth $10.3 m.
115 sourced county values · tier FULL · 11 sections
Pawnee County
How many people live in Pawnee County
- Population15,795
- Households6,108
- Average household size2.59
- Median household income$58,738
- Median age41.6
- Median gross rent$864 per month
- Median owner-occupied home value$131,500
- Home value to household income2.2 times
- Annual rent as a share of median income17.7 percent
- Adults 25 and over with a bachelor degree or higher16.9 percent
- Adults 25 and over with a graduate degree5.0 percent
- Adults 25 and over10,944
- Population under 183,665
- Share under 1823.2 percent
- Population 65 and over3,174
- Share 65 and over20.1 percent
- Working age population, 18 to 648,956
- Civilian labor force6,717
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over55.4 percent
- Rank by population among Oklahoma counties43rd of 77
- Rank by population among US county-equivalents2110th
Pawnee County is the 43rd largest of 77 Oklahoma counties by population. A median home costs 2.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.2 percent against 20.1 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pawnee County
Is Pawnee County growing
- Population change since the 2020 census base3.55 percent
- Census 2020 base population15,558
- Births, 2024166
- Deaths, 2024225
- Natural change, 2024-59
- Net domestic migration, 2024276
- Net international migration, 20244
- Total net migration, 2024280
- Cumulative net domestic migration, 2021 to 2024914
- Rank by growth among US county-equivalents768th
The county has grown 3.55 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.
Pawnee County
Where people moving to Pawnee County come from
- Tax returns filed by households arriving525
- People arriving, from those returns1,098
- Adjusted gross income arriving$25.0 m
- Net adjusted gross income movement$0
- Average income of an arriving household$47,655
- Largest single originPawnee County Non-migrants (4,948 households)
- Largest single destination (4,948 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Pawnee County Non-migrants | 4,948 | 10,936 | $292.0 m |
| Tulsa County | 147 | 302 | $7.3 m |
| Other flows - Different State | 114 | 233 | $6.2 m |
| Other flows - Same State | 106 | 219 | $5.1 m |
| Creek County | 69 | 155 | $3.3 m |
| Osage County | 45 | 100 | $1.8 m |
| Payne County | 44 | 89 | $1.3 m |
| Other flows - West | 43 | 95 | $3.2 m |
The largest single source of arrivals is Pawnee 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.
Pawnee County
What the Pawnee County economy runs on
- County GDP, 2024$457.5 m
- County GDP, 2023$450.6 m
- GDP change, 2023 to 20241.5 percent
- GDP change over five years29.0 percent
- Rank by GDP among Oklahoma counties59th
- Rank by GDP among US county-equivalents2461st
- GDP per resident$28,965
Output grew 1.5 percent in the latest year and 29.0 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.
Pawnee County
Who employs people in Pawnee County
- Covered employment, annual average3,458
- Establishments reporting358
- Average annual pay$45,260
- Average weekly wage$870
- Sector 62, employment576
- Sector 62, average annual pay$45,504
- Sector 44-45, employment424
- Sector 44-45, average annual pay$39,395
- Sector 23, employment163
- Sector 23, average annual pay$48,801
- Sector 31-33, employment130
- Sector 31-33, average annual pay$44,263
- Sector 52, employment84
- Sector 81, employment47
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 576 | 36 | $45,504 |
| Sector 44-45 | 424 | 45 | $39,395 |
| Sector 23 | 163 | 36 | $48,801 |
| Sector 31-33 | 130 | 14 | $44,263 |
| Sector 52 | 84 | 23 | $56,273 |
| Sector 81 | 47 | 17 | $42,864 |
| Sector 42 | 44 | 12 | $48,591 |
| Sector 53 | 25 | 4 | $42,657 |
The largest sector is the biggest private employer group at 576 jobs, 16.7 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.
Pawnee County
What businesses operate in Pawnee County
- Establishments, all industries263
- Employment at those establishments2,972
- Annual payroll$157.1 m
- Establishments per 1,000 residents16.7
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.
Pawnee County
What is being built in Pawnee 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.
Pawnee County
How much SBA lending happens in Pawnee County
- 7(a) approvals recorded17
- 7(a) gross approval dollars$10.3 m
- Average 7(a) approval$604,959
- Median 7(a) approval$350,000
- 10th percentile approval$100,000
- 90th percentile approval$1,769,000
- Largest single approval$2,191,500
- Jobs reported supported, 7(a)141
- Jobs per approval8.3
- Distinct 7(a) lenders active11
- Distinct industries receiving approvals13
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.4 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter11
- Franchise loans1
- Franchise share of approvals5.9 percent
- Leading industry by approval countPlumbing, Heating, and Air-Conditioning Contractors (2)
- Most active lenderBancFirst (5)
- 504 approvals recorded1
- 504 gross approval dollars$199,000
- Average 504 approval$199,000
- Median 504 approval$199,000
- Distinct CDCs active1
- 504 jobs per approval6.0
- 504 jobs per million dollars approved30.2
- Most active CDCRural Enterprises of Oklahoma, Inc. (1)
- 7(a) share of SBA approvals94.4 percent
- Combined SBA approval dollars$10.5 m
The average approval of $604,959 sits well above the median of $350,000, 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 29.4 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Pawnee County
Do SBA loans in Pawnee County get paid back
- Loans with a final outcome recorded4
- Paid in full4
- Charged off0
- Status: Paid in full4
- Status: Cancelled3
- Status: Exempt from disclosure10
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.
Pawnee County
Which parts of Pawnee County get the lending
- Places in the county with recorded lending4
- CLEVELAND, approvals7
- PAWNEE, approvals5
- Jennings, approvals4
- MANNFORD, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| CLEVELAND | 7 | $5,134,800 |
| PAWNEE | 5 | $1,986,500 |
| Jennings | 4 | $2,858,000 |
| MANNFORD | 1 | $305,000 |
CLEVELAND accounts for 7 approvals against 5 in PAWNEE. 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.
Pawnee County
How big is Pawnee County
- Land area568 sq mi
- Rank by land area among Oklahoma counties67th of 77
- Width, east to west44 mi
- Height, north to south27.9 mi
- Geographies sharing a boundary5
- Residents per square mile of land28
- Establishments per square mile0.46
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 Pawnee 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 Pawnee County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population15,795
- Households6,108
- Average household size2.59
- Median household income$58,738
- Median age41.6
Common questions
Pawnee County questions, answered from the record.
How many people live in Pawnee County, Oklahoma?
15,795, in 6,108 households, ranking 43rd of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pawnee County growing?
The population has grown 3.55 percent since the 2020 census base. In 2024 there were 166 births against 225 deaths, with net migration of 280. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pawnee County?
$58,738. The median owner-occupied home is valued at $131,500, which is 2.2 times income, and median gross rent is $864 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Pawnee County?
263 establishments, employing 2,972 people with an annual payroll of $157.1 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 Pawnee County?
Average annual pay is $45,260, or $870 a week, across 3,458 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pawnee County?
17 7(a) approvals totalling $10.3 m since FY2020, across 11 lenders, with a median approval of $350,000, plus 1 504 approvals worth $199,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Pawnee 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 Pawnee 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 Pawnee County come from?
The largest single origin is Pawnee County Non-migrants, with 4,948 households. Arriving households report an average income of $47,655 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 Pawnee 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 Pawnee 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.