Stillwater: Economy & Jobs
Stillwater reports a median household income of $43,700 (1.1× below Payne County median $49,809; 1.5× below Oklahoma median $65,039), with homes at a median value of $237,200. The surrounding county supports 35,198 jobs (avg $52,066).
- $70,434 avg taxable income per return — higher than the median household income (vs Oklahoma $74,344).
Income & Affordability
Median household income $43,700 — below the Oklahoma median ($62,125). Poverty rate 27.4% (U.S. average ~12.5%).
| Affordability · Price To Income Ratio | 5.4× |
|---|---|
| Affordability · Rent To Income Pct | 26.0% |
| Affordability · Interpretation | expensive |
| Irs Income · IRS tax returns filed | $30,740 |
| Irs Income · Total Adjusted Gross Income (thousands) | $2,165,144 |
| Irs Income · Average AGI per return | $70,434 (vs Oklahoma $74,344) |
| Irs Income · Year | 2022 |
| Income Estimate | $47,876 |
| Median Household Income | $43,700 (vs Oklahoma $62,125) |
| Poverty Rate | 27.4% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | working-class |
| Economic Character · Median Income | $43,700 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 3.8% — near the U.S. average of ~4%. 10% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 15.40 |
|---|---|
| Commuter Profile · Work From Home Pct | 9.7% |
| Commuter Profile · Profile | short commute |
| Employment · Avg annual employment (county) | 35,198 |
| Employment · Total annual wages (county) | $1,832,617,449 |
| Employment · Average annual pay | $52,066 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 1,664,310 |
| Unemployment Rate | 3.8% (vs Oklahoma 3.1%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 42 |
|---|---|
| Agriculture · Land In Farms Acres | 2,062 |
| Agriculture · Avg Farm Size Acres | 49.10 |
| Agriculture · Top Commodities | Sod, Animal Totals, Cattle, Crop Totals, Horticulture Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 1,812 |
| Business Patterns · Total Employees | 22,128 |
| Business Patterns · Annual Payroll Thousands | 872,549 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 6 |
|---|---|
| Local Businesses · Liquor Stores | 12 |
| Local Businesses · Gas Stations | 35 |
| Local Businesses · General Merchandise | 18 |
| Local Businesses · Clothing Stores | 9 |
| Local Businesses · Electronics Stores | 5 |
| Local Businesses · Paint Hardware | 3 |
| Local Businesses · New Car Dealers | 6 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 58 |
|---|---|
| Dining Scene · Fast Food | 63 |
| Dining Scene · Bars | 11 |
| Dining Scene · Coffee Snacks | 21 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (20)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (5)
| Nearest Snap · Name | Oncue Express 10 |
|---|---|
| Nearest Snap · Total In Area | 36 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | STILLWATER CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $552,875,286 |
|---|---|
| Federal Spending · Per Capita | 6,771.62 (vs Oklahoma $7,371) |
| Federal Spending · Population | 81,646 people (vs Oklahoma 63,420) |
Sources: USAspending API
Other
| Job Training · Total count | 7 |
|---|---|
| Pct Drove Alone | 69.0% |
| Pct Public Transit | 8.0% |
| Pct Walked | 9.7% |
| Retirement Score · Median age | 23.9 years (vs Oklahoma 35.2y) |
| Retirement Score · Ss Household Pct | 22.1% |
| Retirement Score · Hospitals Nearby | 2 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | hospital access, VA nearby |
| Retirement Score · Rating | fair |
Sources: IRS BMF keyword search · Census ACS 5-Year 2023 · Refreshed 2026-04-12