Stephens County, Oklahoma: commercial real estate data.
Stephens County, Oklahoma has a population of 43,551 across 870 square miles, up 2.9 percent since the 2020 census base. County output reached $2.93 bn in 2024, 1,080 establishments operate here, and the SBA record carries 53 7(a) approvals worth $18.8 m.
120 sourced county values · tier FULL · 11 sections
Stephens County
How many people live in Stephens County
- Population43,551
- Households17,567
- Average household size2.48
- Median household income$61,620
- Median age41.0
- Median gross rent$895 per month
- Median owner-occupied home value$145,300
- Home value to household income2.4 times
- Annual rent as a share of median income17.4 percent
- Adults 25 and over with a bachelor degree or higher20.6 percent
- Adults 25 and over with a graduate degree7.1 percent
- Adults 25 and over30,321
- Population under 189,912
- Share under 1822.8 percent
- Population 65 and over9,042
- Share 65 and over20.8 percent
- Working age population, 18 to 6424,597
- Civilian labor force18,923
- Unemployment rate5.2 percent
- Labor force participation, adults 18 and over56.3 percent
- Rank by population among Oklahoma counties24th of 77
- Rank by population among US county-equivalents1137th
Stephens County is the 24th largest of 77 Oklahoma counties by population. A median home costs 2.4 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.8 percent against 20.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Stephens County
Is Stephens County growing
- Population change since the 2020 census base2.87 percent
- Census 2020 base population42,847
- Births, 2024455
- Deaths, 2024627
- Natural change, 2024-172
- Net domestic migration, 2024108
- Net international migration, 202474
- Total net migration, 2024182
- Cumulative net domestic migration, 2021 to 20241,858
- Rank by growth among US county-equivalents905th
The county has grown 2.87 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.
Stephens County
Where people moving to Stephens County come from
- Tax returns filed by households arriving1,057
- People arriving, from those returns2,147
- Adjusted gross income arriving$46.7 m
- Net adjusted gross income movement$0
- Average income of an arriving household$44,157
- Largest single originStephens County Non-migrants (14,117 households)
- Largest single destination (14,117 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Stephens County Non-migrants | 14,117 | 30,637 | $961.0 m |
| Other flows - Different State | 457 | 973 | $22.6 m |
| Other flows - South | 232 | 481 | $11.3 m |
| Other flows - Same State | 205 | 392 | $8.1 m |
| Other flows - West | 165 | 362 | $8.4 m |
| Comanche County | 119 | 268 | $4.8 m |
| Grady County | 63 | 126 | $2.8 m |
| Oklahoma County | 61 | 107 | $2.2 m |
The largest single source of arrivals is Stephens 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.
Stephens County
What the Stephens County economy runs on
- County GDP, 2024$2.93 bn
- County GDP, 2023$2.90 bn
- GDP change, 2023 to 20240.9 percent
- GDP change over five years68.0 percent
- Rank by GDP among Oklahoma counties13th
- Rank by GDP among US county-equivalents994th
- GDP per resident$67,201
Output grew 0.9 percent in the latest year and 68.0 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.
Stephens County
Who employs people in Stephens County
- Covered employment, annual average15,058
- Establishments reporting1,198
- Average annual pay$52,784
- Average weekly wage$1,015
- Sector 62, employment3,112
- Sector 62, average annual pay$47,263
- Sector 31-33, employment1,865
- Sector 31-33, average annual pay$76,113
- Sector 44-45, employment1,744
- Sector 44-45, average annual pay$30,051
- Sector 72, employment1,139
- Sector 72, average annual pay$20,354
- Sector 48-49, employment787
- Sector 56, employment740
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 3,112 | 149 | $47,263 |
| Sector 31-33 | 1,865 | 62 | $76,113 |
| Sector 44-45 | 1,744 | 161 | $30,051 |
| Sector 72 | 1,139 | 72 | $20,354 |
| Sector 48-49 | 787 | 44 | $61,402 |
| Sector 56 | 740 | 69 | $71,683 |
| Sector 23 | 626 | 86 | $62,718 |
| Sector 52 | 530 | 75 | $52,951 |
The largest sector is the biggest private employer group at 3,112 jobs, 20.7 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.
Stephens County
What businesses operate in Stephens County
- Establishments, all industries1,080
- Employment at those establishments12,439
- Annual payroll$568.9 m
- Establishments per 1,000 residents24.8
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.
Stephens County
What is being built in Stephens County
- Housing units authorised by permit, 202416
- Declared construction value permitted$4.2 m
- Single family units authorised16
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$262,023
- Units authorised per 1,000 households0.9
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Stephens County
How much SBA lending happens in Stephens County
- 7(a) approvals recorded53
- 7(a) gross approval dollars$18.8 m
- Average 7(a) approval$354,649
- Median 7(a) approval$95,400
- 10th percentile approval$15,000
- 90th percentile approval$682,000
- Largest single approval$3,794,000
- Jobs reported supported, 7(a)499
- Jobs per approval9.4
- Distinct 7(a) lenders active13
- Distinct industries receiving approvals27
- Median 7(a) term84 months
- Share of loans on real estate terms, 240 months or longer11.3 percent
- Loans on real estate terms6
- Loans on working capital terms, 120 months or shorter41
- Franchise loans3
- Franchise share of approvals5.7 percent
- Leading industry by approval countSupport Activities for Oil and Gas Operations (7)
- Most active lenderLegacy Bank (26)
- 504 approvals recorded7
- 504 gross approval dollars$1.4 m
- Average 504 approval$201,714
- Median 504 approval$107,000
- Distinct CDCs active2
- 504 jobs per approval2.9
- 504 jobs per million dollars approved14.2
- Most active CDCRural Enterprises of Oklahoma, Inc. (6)
- 7(a) share of SBA approvals88.3 percent
- Combined SBA approval dollars$20.2 m
The average approval of $354,649 sits well above the median of $95,400, 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 11.3 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. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Stephens County
Do SBA loans in Stephens County get paid back
- Loans with a final outcome recorded27
- Paid in full27
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full27
- Status: Exempt from disclosure20
- Status: Cancelled5
- Status: Committed, not yet disbursed1
Of the 27 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Stephens County
Which parts of Stephens County get the lending
- Places in the county with recorded lending4
- DUNCAN, approvals29
- Marlow, approvals12
- Comanche, approvals7
- VELMA, approvals5
| Place | Approvals | Gross approval dollars |
|---|---|---|
| DUNCAN | 29 | $11,102,300 |
| Marlow | 12 | $1,746,800 |
| Comanche | 7 | $2,290,300 |
| VELMA | 5 | $3,657,000 |
DUNCAN accounts for 29 approvals against 12 in Marlow. 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.
Stephens County
How big is Stephens County
- Land area870 sq mi
- Rank by land area among Oklahoma counties34th of 77
- Width, east to west33 mi
- Height, north to south27.1 mi
- Geographies sharing a boundary6
- Residents per square mile of land50
- Establishments per square mile1.24
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 Stephens 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 Stephens County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population43,551
- Households17,567
- Average household size2.48
- Median household income$61,620
- Median age41.0
Common questions
Stephens County questions, answered from the record.
How many people live in Stephens County, Oklahoma?
43,551, in 17,567 households, ranking 24th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Stephens County growing?
The population has grown 2.87 percent since the 2020 census base. In 2024 there were 455 births against 627 deaths, with net migration of 182. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Stephens County?
$61,620. The median owner-occupied home is valued at $145,300, which is 2.4 times income, and median gross rent is $895 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Stephens County?
1,080 establishments, employing 12,439 people with an annual payroll of $568.9 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 Stephens County?
Average annual pay is $52,784, or $1,015 a week, across 15,058 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Stephens County?
53 7(a) approvals totalling $18.8 m since FY2020, across 13 lenders, with a median approval of $95,400, plus 7 504 approvals worth $1.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Stephens County get paid back?
Of the 27 loans that have reached a final outcome, 27 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Stephens County?
16 housing units were authorised by permit in 2024, with a declared construction value of $4.2 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Stephens 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 Stephens County come from?
The largest single origin is Stephens County Non-migrants, with 14,117 households. Arriving households report an average income of $44,157 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 Stephens 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 Stephens 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.