Pontotoc County, Oklahoma: commercial real estate data.
Pontotoc County, Oklahoma has a population of 38,235 across 720 square miles, up 0.6 percent since the 2020 census base. County output reached $2.83 bn in 2024, 969 establishments operate here, and the SBA record carries 31 7(a) approvals worth $26.7 m.
114 sourced county values · tier FULL · 10 sections
Pontotoc County
How many people live in Pontotoc County
- Population38,235
- Households15,134
- Average household size2.53
- Median household income$63,017
- Median age37.7
- Median gross rent$889 per month
- Median owner-occupied home value$175,400
- Home value to household income2.8 times
- Annual rent as a share of median income16.9 percent
- Adults 25 and over with a bachelor degree or higher30.3 percent
- Adults 25 and over with a graduate degree11.7 percent
- Adults 25 and over25,247
- Population under 189,550
- Share under 1825.0 percent
- Population 65 and over6,504
- Share 65 and over17.0 percent
- Working age population, 18 to 6422,181
- Civilian labor force18,267
- Unemployment rate3.7 percent
- Labor force participation, adults 18 and over63.7 percent
- Rank by population among Oklahoma counties28th of 77
- Rank by population among US county-equivalents1242nd
Pontotoc County is the 28th largest of 77 Oklahoma counties by population. A median home costs 2.8 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 25.0 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Pontotoc County
Is Pontotoc County growing
- Population change since the 2020 census base0.64 percent
- Census 2020 base population38,068
- Births, 2024454
- Deaths, 2024489
- Natural change, 2024-35
- Net domestic migration, 2024-199
- Net international migration, 202440
- Total net migration, 2024-159
- Cumulative net domestic migration, 2021 to 2024351
- Rank by growth among US county-equivalents1605th
The county has grown 0.64 percent since the 2020 census base.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Pontotoc County
Where people moving to Pontotoc County come from
- Tax returns filed by households arriving881
- People arriving, from those returns1,656
- Adjusted gross income arriving$40.1 m
- Net adjusted gross income movement$0
- Average income of an arriving household$45,554
- Largest single originPontotoc County Non-migrants (12,842 households)
- Largest single destination (12,842 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Pontotoc County Non-migrants | 12,842 | 27,450 | $891.7 m |
| Other flows - Different State | 301 | 538 | $16.0 m |
| Other flows - Same State | 194 | 357 | $8.6 m |
| Other flows - South | 174 | 285 | $9.5 m |
| Other flows - West | 82 | 175 | $4.0 m |
| Garvin County | 66 | 142 | $2.9 m |
| Oklahoma County | 52 | 85 | $2.4 m |
| Seminole County | 48 | 108 | $1.5 m |
The largest single source of arrivals is Pontotoc 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.
Pontotoc County
What the Pontotoc County economy runs on
- County GDP, 2024$2.83 bn
- County GDP, 2023$2.70 bn
- GDP change, 2023 to 20244.7 percent
- GDP change over five years34.6 percent
- Rank by GDP among Oklahoma counties15th
- Rank by GDP among US county-equivalents1020th
- GDP per resident$73,971
Output grew 4.7 percent in the latest year and 34.6 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.
Pontotoc County
Who employs people in Pontotoc County
- Covered employment, annual average20,389
- Establishments reporting1,188
- Average annual pay$57,572
- Average weekly wage$1,107
- Sector 62, employment2,690
- Sector 62, average annual pay$53,142
- Sector 44-45, employment1,736
- Sector 44-45, average annual pay$32,212
- Sector 31-33, employment1,536
- Sector 31-33, average annual pay$59,327
- Sector 72, employment1,180
- Sector 72, average annual pay$20,070
- Sector 54, employment743
- Sector 23, employment640
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,690 | 131 | $53,142 |
| Sector 44-45 | 1,736 | 143 | $32,212 |
| Sector 31-33 | 1,536 | 34 | $59,327 |
| Sector 72 | 1,180 | 76 | $20,070 |
| Sector 54 | 743 | 118 | $57,188 |
| Sector 23 | 640 | 79 | $58,139 |
| Sector 52 | 468 | 74 | $63,636 |
| Sector 56 | 460 | 74 | $48,101 |
The largest sector is the biggest private employer group at 2,690 jobs, 13.2 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.
Pontotoc County
What businesses operate in Pontotoc County
- Establishments, all industries969
- Employment at those establishments13,368
- Annual payroll$656.7 m
- Establishments per 1,000 residents25.3
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.
Pontotoc County
What is being built in Pontotoc County
- Housing units authorised by permit, 20242
- Declared construction value permitted$1.1 m
- Single family units authorised2
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$550,000
- Units authorised per 1,000 households0.1
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Pontotoc County
How much SBA lending happens in Pontotoc County
- 7(a) approvals recorded31
- 7(a) gross approval dollars$26.7 m
- Average 7(a) approval$861,332
- Median 7(a) approval$550,000
- 10th percentile approval$63,000
- 90th percentile approval$2,070,000
- Largest single approval$3,800,000
- Jobs reported supported, 7(a)225
- Jobs per approval7.3
- Distinct 7(a) lenders active22
- Distinct industries receiving approvals20
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer29.0 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter22
- Franchise loans2
- Franchise share of approvals6.5 percent
- Leading industry by approval countGasoline Stations with Convenience Stores (6)
- Most active lenderMetro City Bank (3)
- 504 approvals recorded6
- 504 gross approval dollars$2.1 m
- Average 504 approval$358,167
- Median 504 approval$294,000
- Distinct CDCs active2
- 504 jobs per approval10.3
- 504 jobs per million dollars approved28.9
- Most active CDCRural Enterprises of Oklahoma, Inc. (5)
- 7(a) share of SBA approvals83.8 percent
- Combined SBA approval dollars$28.9 m
The average approval of $861,332 sits well above the median of $550,000, 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 29.0 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.
Pontotoc County
Do SBA loans in Pontotoc County get paid back
- Loans with a final outcome recorded4
- Paid in full2
- Charged off2
- Status: Exempt from disclosure21
- Status: Charged off2
- Status: Cancelled6
- Status: Paid in full2
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.
Pontotoc County
How big is Pontotoc County
- Land area720 sq mi
- Rank by land area among Oklahoma counties50th of 77
- Width, east to west29.9 mi
- Height, north to south31.7 mi
- Geographies sharing a boundary8
- Residents per square mile of land53
- Establishments per square mile1.35
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 Pontotoc 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 Pontotoc County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population38,235
- Households15,134
- Average household size2.53
- Median household income$63,017
- Median age37.7
Common questions
Pontotoc County questions, answered from the record.
How many people live in Pontotoc County, Oklahoma?
38,235, in 15,134 households, ranking 28th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Pontotoc County growing?
The population has grown 0.64 percent since the 2020 census base. In 2024 there were 454 births against 489 deaths, with net migration of -159. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Pontotoc County?
$63,017. The median owner-occupied home is valued at $175,400, which is 2.8 times income, and median gross rent is $889 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Pontotoc County?
969 establishments, employing 13,368 people with an annual payroll of $656.7 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 Pontotoc County?
Average annual pay is $57,572, or $1,107 a week, across 20,389 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Pontotoc County?
31 7(a) approvals totalling $26.7 m since FY2020, across 22 lenders, with a median approval of $550,000, plus 6 504 approvals worth $2.1 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Pontotoc County?
2 housing units were authorised by permit in 2024, with a declared construction value of $1.1 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Pontotoc 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 Pontotoc County come from?
The largest single origin is Pontotoc County Non-migrants, with 12,842 households. Arriving households report an average income of $45,554 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 Pontotoc 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 Pontotoc 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.