Stillwater, OK β City Data, Demographics & Statistics
Payne County Β· Oklahoma
City DNA
A unique fingerprint for Stillwater based on 8 key metrics β compared to averages.
Quick Stats
Population
48,818
2023 ACS
Median Income
$42,015
2023
Median Home Value
$230,900
2023
Median Rent
$944
2023
Median Age
23.7
Unemployment
4.9%
Cost of Living Index
87.2
100 = national avg
Stillwater is a city in Payne County, Oklahoma, with a population of 48,818 according to the 2023 American Community Survey. Stillwater is one of the communities in Oklahoma.
The median household income in Stillwater is $42,015, and the median home value is $230,900. The cost of living index is 87.2 (where 100 = national average), and the median rent is $944 per month. The unemployment rate is 4.9%, and the median age is 23.7 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
48,818
Male
24,608
50.4%
Female
24,210
49.6%
Median Age
23.7
Education & Household
Bachelor's or Higher
23.9%
High School or Higher
32.6%
Foreign Born
9.4%
Veterans
3.8%
Married
25.9%
Avg Household Size
2.1
Marital Status by Age
Race & Ethnicity
Diversity Index
0.435
Simpson's Index (0-1)
Largest Group
White
73.7%
Foreign Born
9.4%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
6.2%
3,012 people
Not Hispanic/Latino
93.8%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)Native Hawaiian & Pacific Islander Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
46,889
English Only
88.7%
#1 Non-English Language
Spanish
1,527 speakers
Limited English
3.5%
Language Distribution
English Proficiency
Speaks English Very Well
96.5%
Limited English Proficiency
3.5%
Veterans & Military
Total Veterans
1,872
3.8% of population
Disability Rate
43.0%
804 with disability
Veteran Median Income
$39,704
Unemployment Rate
9.2%
Period of Service
Veteran Age Distribution
Male Veterans
1,624
86.8%
Female Veterans
248
13.2%
Veteran vs Non-Veteran Income
Veteran Income
$39,704
Non-Veteran Income
$23,083
Difference
$16,621
72.0% higher
Disability Status
With Disability
804
Without Disability
1,068
Disability Rate
43.0%
Ancestry & Heritage
Total Reporting Ancestry
27,550
#1 Ancestry
German
15.0% (7,336)
#2 Ancestry
English
10.6% (5,159)
#3 Ancestry
Irish
8.7% (4,264)
Top 20 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
19,402
Family Households
8,271
42.6%
Married Couples
5,789
29.8%
Non-Family Households
11,131
57.4%
Single Mother Households
1,588
8.2%
Single Father Households
894
4.6%
Living Alone
7,912
40.8%
Children Under 18
Total Children
6,556
In Married Couple
4,385
66.9%
With Single Mother
1,332
20.3%
With Single Father
839
12.8%
Family Income
Median Family Income
$74,939
Married Couple Income
$99,723
Single Mother Income
$39,769
Single Father Income
$44,615
Avg Family Size
2.1
Avg Non-Family Size
1.9
Grandparents w/ Grandchildren
77
Grandparents Responsible
1
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$42,015
-43% vs national
Per Capita Income
$26,806
-28% vs national
Poverty Rate
29.4%
+116% vs national
Gini Index
0.5371
0 = perfect equality
Unemployment
4.9%
-6% vs national
SNAP Recipients
7.6%
of households
How Stillwater Compares
Stillwater vs Similar Cities
Compared to cities with 25,000 - 50,000 residents. Stillwater is highlighted.
Median Household Income
Stillwater, OK has a median household income of $42,015, making it the 24,565th highest median household income out of 28,123 cities in our database. This means that Stillwater has a higher median household income than 13% of all the cities we measured.
Per Capita Income
Stillwater, OK has a per capita income of $26,806, making it the 20,635th highest per capita income out of 28,123 cities in our database. This means that Stillwater has a higher per capita income than 27% of all the cities we measured.
Poverty Rate
Stillwater, OK has a poverty rate of 29.4%, making it the 3,183rd highest poverty rate out of 31,262 cities in our database. This means that Stillwater has a higher poverty rate than 90% of all the cities we measured.
Unemployment Rate
Stillwater, OK has a unemployment rate of 4.9%, making it the 11,837th highest unemployment rate out of 31,012 cities in our database. This means that Stillwater has a higher unemployment rate than 62% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Stillwater. The median household income here is $42,015.
Income Distribution
Employment Snapshot
Unemployment Rate
4.9%
-2% vs OK avg
Labor Force
23,826
Employed
22,574
Mean Commute
14 min
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
23.9%
of adults 25+
High School Diploma+
32.6%
of adults 25+
Median Age
23.7
Work from Home
9.2%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the Oklahoma metro area
Highest-Paying Job
Registered Nurses
Top Median Wage
$81.2K
per year
Occupations Tracked
20
Cost of Living
Overall Index
87.2
100 = national avg
-12.8 vs national average
Living Wage (1 Adult)
$38,379
per year
Living Wage (Family of 4)
$90,715
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$847
per month
2 Bedroom
$1,035
per month
The median household income in Stillwater, OK is $42,015, which is 42.6% below the national average of $73,224. Per capita income is $26,806. The poverty rate of 29.4% is higher than the OK state average of 18.5%. The Gini index of income inequality is 0.5371, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 4.9%, compared to the state average of 5.0%. The labor force is 23,826. 23.9% of adults hold a bachelor's degree or higher. The average commute time is 14 minutes, with 9.2% working from home. About 74.0% of workers drive alone to work. The overall cost of living index is 87.2, which is 12.8% below the national average. Housing costs are above the national average at an index of 109.0. A single adult needs to earn approximately $38,379 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin β January 2026
Median Sale Price
$251,500
Median List Price
$272,500
Price Per Sq Ft
$152
Days on Market
51
Active Inventory
91
Months of Supply
3.3
Seller's market
Zillow Home Value
$254,539
ZHVI β January 2026
Zillow Rent Index
$1,395
ZORI β January 2026
Market CompetitivenessRedfin
Sold Above List
7.1%
Off Market in 2 Weeks
45.3%
Sale-to-List Ratio
95.4%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
28
New Listings
52
Pending Sales
53
Price Per Square FootRedfin
Median Sale $/SF
$152
Median List $/SF
$174
Stillwater vs Similar CitiesCensus ACS / Redfin
Compared to cities with 25,000 - 50,000 residents. Stillwater is highlighted.
Median Home Value
Stillwater, OK has a median home value of $230,900, making it the 10,254th highest median home value out of 27,993 cities in our database. This means that Stillwater has a higher median home value than 63% of all the cities we measured.
Median Rent
Stillwater, OK has a median rent of $944, making it the 11,304th highest median rent out of 22,337 cities in our database. This means that Stillwater has a higher median rent than 49% of all the cities we measured.
Median Price Per Sq Ft
Stillwater, OK has a price per square foot of $152, making it the 12,371st highest price per square foot out of 20,748 cities in our database. This means that Stillwater has a higher price per square foot than 40% of all the cities we measured.
Rent Burden
Stillwater, OK has a rent burden of 27.0%, making it the 2,319th highest rent burden out of 21,928 cities in our database. This means that Stillwater has a higher rent burden than 89% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$230,900
Median Rent
$944
Total Housing Units
22,237
Vacancy Rate
12.8%
Owner Occupied
37.2%
Renter Occupied
62.8%
Median Property Tax
$2,148
per year
Monthly Cost (w/ Mortgage)
$1,318
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$2,148
per year
Effective Tax Rate
0.93%
of home value
Median Home Value
$230,900
Estimated Mean Tax
$2,332
The effective property tax rate is calculated by dividing the median annual property tax ($2,148) by the median home value ($230,900). In Stillwater, OK, this works out to an effective rate of 0.93%. This is below the national average of approximately 1.1%.
The current median sale price in Stillwater, OK is $251,500 according to Redfin data. Homes spend a median of 51 days on the market. 7.1% of homes sold above asking price. The market has 3.3 months of supply. The median price per square foot is $152. Zillow's observed rent index is $1,395/month. About 37.2% of housing units are owner-occupied. The median year homes were built is 1984. There are 22,237 total housing units. Homeowners pay a median annual property tax of $2,148. The effective tax rate is 0.93%, below the national average.
Crime Overview
Source: FBI Crime Data Explorer (2024)Violent Crime Rate
1.82
per 1,000 residents
-30% vs national
Property Crime Rate
15.51
per 1,000 residents
-10% vs national
Total Crimes
865
2024
Violent Clearance
71%
cases solved
Property Clearance
25%
cases solved
YoY Change
-9.7%
violent crime rate
improving vs 2023
How Stillwater Compares
Source: FBI (2024)Stillwater vs Similar Cities
Source: FBI (2024)Compared to cities with 25,000 - 50,000 residents. Stillwater is highlighted in green.
Violent Crime Rate (per 1,000)
Property Crime Rate (per 1,000)
Murder Rate (per 1,000)
Crime Rate Trends
Source: FBICrime Composition
Source: FBI (2024)Violent Crime Breakdown
Property Crime Breakdown
Crime Clearance (Solve) Rates
Source: FBI (2024)Stillwater police solve 77% of aggravated assault cases but only 24% of larceny/theft cases.
Weapon Used in Violent Crime
Source: FBI (2024)Crime Breakdown
Source: FBI Crime Data Explorer (2024)| Crime Type | Category | Count | Rate per 1K | Clearance % |
|---|---|---|---|---|
| Murder | Violent | 0 | 0.00 | N/A |
| Rape | Violent | 21 | 0.42 | 61.9% |
| Robbery | Violent | 6 | 0.12 | 50.0% |
| Aggravated Assault | Violent | 64 | 1.28 | 76.6% |
| Burglary | Property | 104 | 2.08 | 30.8% |
| Larceny/Theft | Property | 621 | 12.44 | 23.5% |
| Motor Vehicle Theft | Property | 49 | 0.98 | 32.7% |
Stillwater, OK reported 91 violent crimes and 774 property crimes in 2024. The violent crime rate of 1.82 per 1,000 residents is 29.9% below the national average of 2.60 per 1,000. Law enforcement cleared 71% of violent crimes. Larceny/theft accounts for 621 of the property crime reports. Firearms were involved in 21.9% of aggravated assaults. Violent crime has been trending downward.
Crime History
Source: FBI| Year | Violent | Property | Violent Rate | Property Rate |
|---|---|---|---|---|
| 2024 | 91 | 774 | 1.82 | 15.51 |
| 2023 | 100 | 805 | 2.02 | 16.25 |
| 2022 | 147 | 931 | 3.04 | 19.24 |
| 2021 | 148 | 1,017 | 2.91 | 20.03 |
| 2020 | 155 | 1,284 | 3.05 | 25.26 |
| 2019 | 160 | 1,086 | 3.14 | 21.29 |
| 2018 | 175 | 979 | 3.47 | 19.41 |
| 2017 | 148 | 1,139 | 2.95 | 22.71 |
| 2016 | 144 | 1,585 | 2.90 | 31.93 |
| 2015 | 152 | 1,657 | 3.10 | 33.75 |
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
83.9
Relatively Moderate
Expected Annual Loss
83.8
Score (0-100)
Social Vulnerability
42.5
Score (0-100)
Community Resilience
46.8
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
39
Public Assistance
$9.4M
Individual Assistance
$1.1M
Most Common Type
Fire
11 declarations
Public Assistance by Category
Showing 20 of 43 disasters
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
100
Total Claims Paid
$1,247,878
Avg Claim Payout
$12,479
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
24
Federal Funding
$6,433,573
Properties Protected
697
Avg Benefit-Cost Ratio
1.38
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 91.1: Local Multihazard Mitigation Plan | 6 | $195,740 |
| 600.1: Warning Systems (as a Component of a Planned, Adopted, and Exercised Risk Reduction Plan) | 4 | $101,591 |
| 602.1: Other Equipment Purchase and Installation | 3 | $919 |
| 800.1: Miscellaneous | 2 | $19,001 |
| 601.2: Generators - Regular | 2 | $2,694,900 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Stillwater has a relatively moderate overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are ice storm, cold wave, hail. The area has had 39 federal disaster declarations. The most common disaster type is fire (11 declarations). 100 flood insurance claims have been filed in the area. FEMA has obligated $9,416,026 in public assistance recovery funding. $1,082,643 has been distributed in individual assistance to disaster-affected residents. 24 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
33.4%
2.7pp below the national average
Depression Rate
27.9%
4.4pp above the national average
Diabetes Rate
8.1%
3.8pp below the national average
Uninsured Rate
10.1%
0.5pp below the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
29.0%
Arthritis
17.9%
Cancer (excl. skin)
5.2%
Teeth Lost (65+)
15.7%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
21.1%
14+ days in past month
Depression
27.9%
Loneliness
35.5%
Lack of Support
23.9%
Disability Prevalence
Any Disability
37.3%
Mobility
11.2%
Cognitive
20.7%
Hearing
6.9%
Vision
5.9%
Self-Care
3.4%
Independent Living
10.7%
Health-Related Social Needs
Prevalence of social risk factors affecting community health
Stillwater has an obesity rate of 33.4%, which is 2.7pp below the national average. The depression rate is 27.9%, 4.4pp above the national average. About 10.1% of adults lack health insurance. 74.1% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
5
Nearest Hospital
16.0 mi
Stillwater Medical - Perry
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Stillwater Medical - Perry | 16.0 mi | Rural Emergency Hospital | β | Yes |
| Hillcrest Hospital Cushing | 21.7 mi | Acute Care Hospitals | β | Yes |
| Mercy Hospital Logan County | 27.1 mi | Critical Access Hospitals | β | Yes |
| Drumright Regional Hospital | 30.2 mi | Critical Access Hospitals | β | Yes |
| Rural Wellness Stroud Hospital | 35.6 mi | Critical Access Hospitals | β | Yes |
Climate & Environment
Water Systems
Source: EPA SDWISWater Systems
6
Pop. Served
72,946
Violations (5yr)
33
| System Name | Pop. Served | Violations (5yr) |
|---|---|---|
| STILLWATER UTILITIES AUTHORITY | 53,000 | 26 |
| OSU WATER PLANT | 13,000 | 6 |
| PAYNE CO RW CORP #3 | 3,000 | 0 |
| 51 EAST WATER | 2,500 | 0 |
| PAYNE CO RWD #3 | 1,400 | 0 |
| RED WAGON MHP | 46 | 1 |
Greenhouse Gas Emitters
Source: EPA GHGRP (2023)Facilities Reporting
3
Total COβe
88.3K MT
Top Emitter
Stillwater Sanitary Landfill
34.3K MT COβe
Total COβe vs Similar Cities (25,000 - 50,000)
| Facility | Sector | COβe (MT) |
|---|---|---|
Stillwater Sanitary Landfill Republic Services Inc | Waste | 34,328 |
Otter Creek Midstream Otter Creek Midstream | Petroleum and Natural Gas Systems | 28,837 |
OKLAHOMA STATE UNIVERSITY Oklahoma State University | Other | 25,095 |
Data from EPA Greenhouse Gas Reporting Program (GHGRP). Includes facilities emitting 25,000+ metric tons COβe/year.
There are 6 water systems serving the area. 33 water quality violations have been reported in the past 5 years. 3 industrial facilities report greenhouse gas emissions totaling 88.3K metric tons of COβe.
Infrastructure
Commute Overview2023 ACS
Mean Commute
14 min
-41% vs national
Drive Alone
74.0%
-6% vs national
Public Transit
1.0%
+13% vs national
Work From Home
9.2%
-1% vs national
Carpool
6.3%
Walk / Bike
7.7%
combined
How Stillwater's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
Traffic Fatalities
Source: NHTSA FARS (2023)Fatalities
3
2023
5-Year Avg
3
fatalities/yr
Cyclist
1
Nighttime
2
dark conditions
| Year | Crashes | Fatalities | Alcohol | Pedestrian | Cyclist |
|---|---|---|---|---|---|
| 2023 | 3 | 3 | 0 | 0 | 1 |
| 2022 | 2 | 3 | 0 | 0 | 0 |
| 2021 | 5 | 5 | 0 | 2 | 0 |
| 2020 | 2 | 2 | 0 | 0 | 0 |
| 2018 | 3 | 3 | 1 | 1 | 0 |
Data from NHTSA Fatality Analysis Reporting System (FARS). Includes only crashes involving at least one fatality.
The average commute in Stillwater, OK is 14 minutes, which is 41.0% below the national average of 23 minutes. 74.0% of workers drive alone, compared to the national average of 78.7%. 9.2% work from home, which is above the OK state average of 5.7%. Public transit is used by 1.0% of commuters, compared to the national average of 0.9%. 6.3% of workers carpool. 5.9% walk to work. 1.8% commute by bicycle. In 2023, there were 3 traffic fatalities from 3 fatal crashes.
Internet & Broadband Access
Source: Census ACSBroadband Access
85.4%
of households
Cable / Fiber / DSL
68.6%
of households
No Internet
6.3%
of households
Total Households
19,402
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
97.0%
of households
Smartphone
94.0%
of households
Desktop / Laptop
85.1%
of households
Tablet
61.3%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
12.2Β’
per kWh
-36% vs 25,000 - 50,000 avg
Commercial Rate
8.9Β’
per kWh
-42% vs 25,000 - 50,000 avg
Industrial Rate
5.8Β’
per kWh
-51% vs 25,000 - 50,000 avg
Avg Monthly Bill
$132
residential
-10% vs 25,000 - 50,000 avg
28% below the national average of 17.1Β’/kWh
Residential electricity in Oklahoma averages 12.2Β’ per kWh, compared to the national average of 17.1Β’. The average monthly electric bill is $132. State-level averages from EIA Electric Sales & Revenue data (2024).
Stillwater vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (25,000 - 50,000). Each city represents its state's average rate.
Residential Rate (Β’/kWh)
Commercial Rate (Β’/kWh)
Industrial Rate (Β’/kWh)
Average Monthly Bill
Water Systems
Source: EPA SDWISWater Systems
6
Population Served
72,946
Violations (5yr)
33
| System Name | Type | Source | Pop. Served | Violations |
|---|---|---|---|---|
| STILLWATER UTILITIES AUTHORITY | Community | Surface water | 53,000 | 26 |
| OSU WATER PLANT | Community | Surface water | 13,000 | 6 |
| PAYNE CO RW CORP #3 | Community | Purchased surface water | 3,000 | 0 |
| 51 EAST WATER | Community | Purchased surface water | 2,500 | 0 |
| PAYNE CO RWD #3 | Community | Purchased surface water | 1,400 | 0 |
| RED WAGON MHP | Community | Ground water | 46 | 1 |
85.4% of households in Stillwater have broadband internet access. 68.6% have cable, fiber, or DSL service. 12.9% rely solely on cellular data without a wired connection. 6.3% of households have no internet access. 7.4% use only a smartphone without a desktop or laptop. The area is served by 6 water systems, providing water to 72,946 people. A total of 33 water quality violations have been recorded over the past 5 years.
Politics & Government
County-level data: Election results are reported at the county level. Stillwater is located in Payne County, OK. Results reflect all voters in the county, not just those in Stillwater.
Election Overview
Source: Payne County (2024)2024 Winner
Republican
Dem Votes
10,560
36.1%
GOP Votes
17,962
61.4%
Total Votes
29,279
Margin
R+25.3%
Shift from 2020
R+2.0pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 10,560 | 17,962 | 29,279 | 36.1% | 61.4% | R+25.3 |
| 2020 | 10,904 | 17,813 | 29,643 | 36.8% | 60.1% | R+23.3 |
| 2016 | 8,785 | 16,644 | 27,749 | 31.7% | 60.0% | R+28.3 |
In the 2024 presidential election, Payne County recorded 29,279 total votes. Republicans won the county with 61.4% of the vote compared to 36.1% for Democrats, a margin of R+25.3%. Compared to 2020, the margin shifted R+2.0pp from the previous election. Since 2016, Payne County has shifted 3.0 percentage points toward Democrats.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
292
Total Assets
$2.1B
Total Income
$692.3M
Per 10K Residents
59.8
nonprofits
+4.7% vs peers avg
Orgs with >$1M Assets
30
Median Assets
$336K
Oldest Active
1941
ruling year
Newest Org
2025
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationTop 10 hold $2.0B of $2.1B total
Nonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population 25,000 - 50,000
Largest Nonprofits in Stillwater
Source: IRS Exempt Organizations BMFStillwater, OK has 292 registered 501(c)(3) nonprofit organizations with combined assets of $2.1B. The most common category is Education, with 41 organizations. 30 nonprofits have assets exceeding $1 million. That works out to 59.8 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1941.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
317
Total Approved
$92.3M
Jobs Supported
2,415
Per 10K Residents
64.9
SBA loans
-36.3% vs peers avg
Unique Lenders
62
Top Lender
Simmons Bank
71 loans
Top Industry
Retail Trade
Data Span
1992β2025
Loan Program Breakdown
Source: SBA FOIALoans
297
Total Amount
$78.1M
Avg Loan
$262,868
Median Loan
$135,000
SBA Guaranteed
$57.0M(73%)
Jobs Supported
2,028
Loans
20
Total Amount
$14.2M
Avg Loan
$711,500
Median Loan
$653,500
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
25
8% of all-time total
Recent Amount
$9.3M
10% of all-time total
Avg Recent Loan
$370,600
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population 25,000 - 50,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| Shree Sani Sai Llc | 1 | $3.7M |
| Main Automotive Supply Inc | 2 | $3.4M |
| Sangre Foodservice Management Llc | 1 | $2.5M |
| K Supply Company Llc | 3 | $2.3M |
| Westside Self Storage | 1 | $2.2M |
| Diversified Labor & Contruction Llc | 4 | $2.1M |
| Stillwater Designs & Autio in | 1 | $2.0M |
| Buffalo Stillwater Llc | 1 | $1.8M |
| Professional Value Internet Services Inc | 3 | $1.7M |
| Best Western Hotel | 1 | $1.7M |
Stillwater, OK has received 317 SBA loans totaling $92.3M in approved funding between 1992 and 2025. The 7(a) program accounts for 297 loans (94% of the total), supporting 2,028 jobs. The 504 program, focused on real estate and large equipment, has funded 20 loans totaling $14.2M. The most common industry receiving SBA funding is Retail Trade. The most active SBA lender in Stillwater is Simmons Bank with 71 loans. That works out to 64.9 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
4
Total Population
60,676
Avg Median Income
-$333,309,387
Avg Home Value
-$333,216,283
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 74074 | 31,934 | $50,245 | $247,300 | $965 | 127.4 |
| 74075 | 26,693 | $45,540 | $220,900 | $933 | 94.8 |
| 74077 | 1,608 | N/A | N/A | N/A | 0.3 |
| 74078 | 441 | N/A | N/A | N/A | 0.1 |
Stillwater, OK has 4 ZIP codes with a combined population of 60,676. The average median household income across all ZIP codes is -$333,309,387. The average median home value is -$333,216,283. The average median monthly rent is -$333,332,858.
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