Payne County, Oklahoma: commercial real estate data.
Payne County, Oklahoma has a population of 82,972 across 685 square miles, up 3.1 percent since the 2020 census base. County output reached $4.48 bn in 2024, 1,826 establishments operate here, and the SBA record carries 42 7(a) approvals worth $16.1 m.
121 sourced county values · tier FULL · 11 sections
Payne County
How many people live in Payne County
- Population82,972
- Households32,609
- Average household size2.54
- Median household income$49,809
- Median age27.7
- Median gross rent$917 per month
- Median owner-occupied home value$223,300
- Home value to household income4.5 times
- Annual rent as a share of median income22.1 percent
- Adults 25 and over with a bachelor degree or higher39.7 percent
- Adults 25 and over with a graduate degree18.0 percent
- Adults 25 and over45,211
- Population under 1815,294
- Share under 1818.4 percent
- Population 65 and over10,913
- Share 65 and over13.2 percent
- Working age population, 18 to 6456,765
- Civilian labor force40,838
- Unemployment rate5.7 percent
- Labor force participation, adults 18 and over60.3 percent
- Rank by population among Oklahoma counties8th of 77
- Rank by population among US county-equivalents708th
Payne County is the 8th largest of 77 Oklahoma counties by population. A median home costs 4.5 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 18.4 percent against 13.2 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Payne County
Is Payne County growing
- Population change since the 2020 census base3.13 percent
- Census 2020 base population81,646
- Births, 2024748
- Deaths, 2024689
- Natural change, 202459
- Net domestic migration, 2024-433
- Net international migration, 2024744
- Total net migration, 2024311
- Cumulative net domestic migration, 2021 to 2024236
- Rank by growth among US county-equivalents839th
The county has grown 3.13 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Payne County
Where people moving to Payne County come from
- Tax returns filed by households arriving2,434
- People arriving, from those returns4,333
- Adjusted gross income arriving$122.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$50,166
- Largest single originPayne County Non-migrants (23,041 households)
- Largest single destination (23,041 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Payne County Non-migrants | 23,041 | 47,429 | $1.77 bn |
| Other flows - Different State | 976 | 1,807 | $57.0 m |
| Other flows - South | 391 | 736 | $23.0 m |
| Other flows - Same State | 321 | 536 | $15.6 m |
| Other flows - West | 276 | 502 | $15.6 m |
| Other flows - Midwest | 259 | 485 | $15.2 m |
| Oklahoma County | 213 | 339 | $9.7 m |
| Tulsa County | 203 | 337 | $9.0 m |
The largest single source of arrivals is Payne 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.
Payne County
What the Payne County economy runs on
- County GDP, 2024$4.48 bn
- County GDP, 2023$4.27 bn
- GDP change, 2023 to 20244.9 percent
- GDP change over five years31.7 percent
- Rank by GDP among Oklahoma counties8th
- Rank by GDP among US county-equivalents757th
- GDP per resident$53,988
Output grew 4.9 percent in the latest year and 31.7 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.
Payne County
Who employs people in Payne County
- Covered employment, annual average35,198
- Establishments reporting2,318
- Average annual pay$52,066
- Average weekly wage$1,001
- Sector 72, employment4,897
- Sector 72, average annual pay$19,170
- Sector 44-45, employment4,029
- Sector 44-45, average annual pay$31,594
- Sector 62, employment2,280
- Sector 62, average annual pay$43,731
- Sector 23, employment1,646
- Sector 23, average annual pay$68,108
- Sector 31-33, employment1,321
- Sector 54, employment1,315
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 72 | 4,897 | 212 | $19,170 |
| Sector 44-45 | 4,029 | 295 | $31,594 |
| Sector 62 | 2,280 | 199 | $43,731 |
| Sector 23 | 1,646 | 230 | $68,108 |
| Sector 31-33 | 1,321 | 68 | $60,762 |
| Sector 54 | 1,315 | 310 | $69,256 |
| Sector 56 | 1,265 | 149 | $40,313 |
| Sector 81 | 843 | 135 | $50,484 |
The largest sector is the biggest private employer group at 4,897 jobs, 13.9 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Payne County
What businesses operate in Payne County
- Establishments, all industries1,826
- Employment at those establishments22,510
- Annual payroll$931.9 m
- Establishments per 1,000 residents22.0
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.
Payne County
What is being built in Payne County
- Housing units authorised by permit, 2024145
- Declared construction value permitted$33.7 m
- Single family units authorised131
- Multifamily units authorised14
- Multifamily share of units9.7 percent
- Average declared value per unit$232,509
- Units authorised per 1,000 households4.4
Multifamily is 9.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Payne County
How much SBA lending happens in Payne County
- 7(a) approvals recorded42
- 7(a) gross approval dollars$16.1 m
- Average 7(a) approval$384,067
- Median 7(a) approval$247,000
- 10th percentile approval$50,000
- 90th percentile approval$855,000
- Largest single approval$2,371,000
- Jobs reported supported, 7(a)394
- Jobs per approval9.4
- Distinct 7(a) lenders active19
- Distinct industries receiving approvals32
- Median 7(a) term96 months
- Share of loans on real estate terms, 240 months or longer7.1 percent
- Loans on real estate terms3
- Loans on working capital terms, 120 months or shorter35
- Franchise loans11
- Franchise share of approvals26.2 percent
- Leading industry by approval countSnack and Nonalcoholic Beverage Bars (3)
- Most active lenderBancFirst (8)
- 504 approvals recorded15
- 504 gross approval dollars$10.9 m
- Average 504 approval$724,733
- Median 504 approval$636,000
- Distinct CDCs active2
- 504 jobs per approval9.3
- 504 jobs per million dollars approved12.8
- Most active CDCRural Enterprises of Oklahoma, Inc. (12)
- 7(a) share of SBA approvals73.7 percent
- Combined SBA approval dollars$27.0 m
The average approval of $384,067 sits well above the median of $247,000, 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 7.1 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.
Payne County
Do SBA loans in Payne County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Exempt from disclosure30
- Status: Cancelled3
- Status: Paid in full8
- Status: Committed, not yet disbursed1
Too few loans have reached a final outcome to publish a charge off rate. only 8 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.
Payne County
Which parts of Payne County get the lending
- Places in the county with recorded lending6
- Stillwater, approvals30
- CUSHING, approvals7
- Yale, approvals2
- Ardmore, approvals1
- Perkins, approvals1
- Glencoe, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Stillwater | 30 | $8,001,700 |
| CUSHING | 7 | $4,659,600 |
| Yale | 2 | $616,400 |
| Ardmore | 1 | $271,600 |
| Perkins | 1 | $211,500 |
| Glencoe | 1 | $2,370,000 |
Stillwater accounts for 30 approvals against 7 in CUSHING. 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.
Payne County
How big is Payne County
- Land area685 sq mi
- Rank by land area among Oklahoma counties53rd of 77
- Width, east to west41 mi
- Height, north to south21.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land121
- Establishments per square mile2.67
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 Payne 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 Payne County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population82,972
- Households32,609
- Average household size2.54
- Median household income$49,809
- Median age27.7
Common questions
Payne County questions, answered from the record.
How many people live in Payne County, Oklahoma?
82,972, in 32,609 households, ranking 8th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Payne County growing?
The population has grown 3.13 percent since the 2020 census base. In 2024 there were 748 births against 689 deaths, with net migration of 311. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Payne County?
$49,809. The median owner-occupied home is valued at $223,300, which is 4.5 times income, and median gross rent is $917 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Payne County?
1,826 establishments, employing 22,510 people with an annual payroll of $931.9 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 Payne County?
Average annual pay is $52,066, or $1,001 a week, across 35,198 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Payne County?
42 7(a) approvals totalling $16.1 m since FY2020, across 19 lenders, with a median approval of $247,000, plus 15 504 approvals worth $10.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Payne County?
145 housing units were authorised by permit in 2024, with a declared construction value of $33.7 m. Multifamily was 9.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Payne 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 Payne County come from?
The largest single origin is Payne County Non-migrants, with 23,041 households. Arriving households report an average income of $50,166 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 Payne 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 Payne 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.