Washington County, Oklahoma: commercial real estate data.
Washington County, Oklahoma has a population of 53,326 across 415 square miles, up 3.1 percent since the 2020 census base. County output reached $4.79 bn in 2024, 1,160 establishments operate here, and the SBA record carries 40 7(a) approvals worth $16.1 m.
122 sourced county values · tier FULL · 11 sections
Washington County
How many people live in Washington County
- Population53,326
- Households20,957
- Average household size2.54
- Median household income$60,162
- Median age39.2
- Median gross rent$907 per month
- Median owner-occupied home value$173,200
- Home value to household income2.9 times
- Annual rent as a share of median income18.1 percent
- Adults 25 and over with a bachelor degree or higher30.1 percent
- Adults 25 and over with a graduate degree9.3 percent
- Adults 25 and over36,163
- Population under 1812,820
- Share under 1824.0 percent
- Population 65 and over10,803
- Share 65 and over20.3 percent
- Working age population, 18 to 6429,703
- Civilian labor force24,052
- Unemployment rate4.4 percent
- Labor force participation, adults 18 and over59.4 percent
- Rank by population among Oklahoma counties14th of 77
- Rank by population among US county-equivalents971st
Washington County is the 14th largest of 77 Oklahoma counties by population. A median home costs 2.9 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.0 percent against 20.3 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Washington County
Is Washington County growing
- Population change since the 2020 census base3.08 percent
- Census 2020 base population52,443
- Births, 2024582
- Deaths, 2024643
- Natural change, 2024-61
- Net domestic migration, 2024231
- Net international migration, 2024117
- Total net migration, 2024348
- Cumulative net domestic migration, 2021 to 20241,619
- Rank by growth among US county-equivalents851st
The county has grown 3.08 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.
Washington County
Where people moving to Washington County come from
- Tax returns filed by households arriving1,389
- People arriving, from those returns2,838
- Adjusted gross income arriving$82.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$59,660
- Largest single originWashington County Non-migrants (18,011 households)
- Largest single destination (18,011 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Washington County Non-migrants | 18,011 | 38,392 | $1.45 bn |
| Other flows - Different State | 581 | 1,205 | $35.6 m |
| Tulsa County | 252 | 514 | $13.8 m |
| Other flows - South | 203 | 418 | $13.2 m |
| Other flows - Same State | 197 | 364 | $9.0 m |
| Other flows - West | 195 | 425 | $12.4 m |
| Other flows - Midwest | 157 | 319 | $8.0 m |
| Osage County | 117 | 238 | $6.7 m |
The largest single source of arrivals is Washington 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.
Washington County
What the Washington County economy runs on
- County GDP, 2024$4.79 bn
- County GDP, 2023$4.11 bn
- GDP change, 2023 to 202416.7 percent
- GDP change over five years84.6 percent
- Rank by GDP among Oklahoma counties7th
- Rank by GDP among US county-equivalents733rd
- GDP per resident$89,870
Output grew 16.7 percent in the latest year and 84.6 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.
Washington County
Who employs people in Washington County
- Covered employment, annual average18,959
- Establishments reporting1,427
- Average annual pay$61,973
- Average weekly wage$1,192
- Sector 62, employment2,483
- Sector 62, average annual pay$45,739
- Sector 44-45, employment2,444
- Sector 44-45, average annual pay$39,113
- Sector 21, employment2,332
- Sector 21, average annual pay$150,319
- Sector 72, employment1,983
- Sector 72, average annual pay$20,942
- Sector 48-49, employment1,070
- Sector 52, employment953
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,483 | 175 | $45,739 |
| Sector 44-45 | 2,444 | 168 | $39,113 |
| Sector 21 | 2,332 | 34 | $150,319 |
| Sector 72 | 1,983 | 119 | $20,942 |
| Sector 48-49 | 1,070 | 26 | $66,770 |
| Sector 52 | 953 | 103 | $75,385 |
| Sector 56 | 859 | 118 | $41,106 |
| Sector 23 | 836 | 117 | $58,069 |
The largest sector is the biggest private employer group at 2,483 jobs, 13.1 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.
Washington County
What businesses operate in Washington County
- Establishments, all industries1,160
- Employment at those establishments17,069
- Annual payroll$1.05 bn
- Establishments per 1,000 residents21.8
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.
Washington County
What is being built in Washington County
- Housing units authorised by permit, 202449
- Declared construction value permitted$14.4 m
- Single family units authorised41
- Multifamily units authorised8
- Multifamily share of units16.3 percent
- Average declared value per unit$294,234
- Units authorised per 1,000 households2.3
Multifamily is 16.3 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Washington County
How much SBA lending happens in Washington County
- 7(a) approvals recorded40
- 7(a) gross approval dollars$16.1 m
- Average 7(a) approval$402,393
- Median 7(a) approval$228,000
- 10th percentile approval$27,300
- 90th percentile approval$1,260,000
- Largest single approval$2,343,800
- Jobs reported supported, 7(a)258
- Jobs per approval6.5
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals33
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.0 percent
- Loans on real estate terms10
- Loans on working capital terms, 120 months or shorter22
- Franchise loans7
- Franchise share of approvals17.5 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (3)
- Most active lenderBancFirst (11)
- 504 approvals recorded9
- 504 gross approval dollars$3.6 m
- Average 504 approval$405,222
- Median 504 approval$292,000
- Distinct CDCs active3
- 504 jobs per approval6.0
- 504 jobs per million dollars approved14.8
- Most active CDCRural Enterprises of Oklahoma, Inc. (4)
- 7(a) share of SBA approvals81.6 percent
- Combined SBA approval dollars$19.7 m
The average approval of $402,393 sits well above the median of $228,000, 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 25.0 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.
Washington County
Do SBA loans in Washington County get paid back
- Loans with a final outcome recorded15
- Paid in full14
- Charged off1
- Charge off rate on resolved loans6.7 percent
- Status: Paid in full14
- Status: Cancelled6
- Status: Exempt from disclosure19
- Status: Charged off1
Of the 15 loans that have reached a final outcome, 6.7 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.
Washington County
Which parts of Washington County get the lending
- Places in the county with recorded lending6
- Bartlesville, approvals32
- DEWEY, approvals3
- RAMONA, approvals2
- COPAN, approvals1
- OCHELATA, approvals1
- Tulsa, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Bartlesville | 32 | $12,532,000 |
| DEWEY | 3 | $518,900 |
| RAMONA | 2 | $1,291,000 |
| COPAN | 1 | $424,200 |
| OCHELATA | 1 | $25,000 |
| Tulsa | 1 | $1,304,600 |
Bartlesville accounts for 32 approvals against 3 in DEWEY. 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.
Washington County
How big is Washington County
- Land area415 sq mi
- Rank by land area among Oklahoma counties76th of 77
- Width, east to west11.9 mi
- Height, north to south39.8 mi
- Geographies sharing a boundary4
- Residents per square mile of land128
- Establishments per square mile2.80
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 Washington 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 Washington County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population53,326
- Households20,957
- Average household size2.54
- Median household income$60,162
- Median age39.2
Common questions
Washington County questions, answered from the record.
How many people live in Washington County, Oklahoma?
53,326, in 20,957 households, ranking 14th of 77 Oklahoma counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Washington County growing?
The population has grown 3.08 percent since the 2020 census base. In 2024 there were 582 births against 643 deaths, with net migration of 348. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Washington County?
$60,162. The median owner-occupied home is valued at $173,200, which is 2.9 times income, and median gross rent is $907 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Washington County?
1,160 establishments, employing 17,069 people with an annual payroll of $1.05 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Washington County?
Average annual pay is $61,973, or $1,192 a week, across 18,959 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Washington County?
40 7(a) approvals totalling $16.1 m since FY2020, across 14 lenders, with a median approval of $228,000, plus 9 504 approvals worth $3.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Washington County get paid back?
Of the 15 loans that have reached a final outcome, 14 were paid in full and 1 charged off, a charge off rate of 6.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Washington County?
49 housing units were authorised by permit in 2024, with a declared construction value of $14.4 m. Multifamily was 16.3 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Washington 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 Washington County come from?
The largest single origin is Washington County Non-migrants, with 18,011 households. Arriving households report an average income of $59,660 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 Washington 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 Washington 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.