Census tract · Payne County
Census Tract 109.02, Payne County, Oklahoma
Census Tract 109.02, GEOID 40119010902, in Payne County, Oklahoma, mostly within Stillwater (94% of its census blocks). 6,614 residents in the ACS 2020-2024 5-year estimates (±822); the 2020 Census counted 6,880.
Residents, 2020-2024
6,614
±822 (90% margin)
2020 Census count: 6,880
Median household income
$93,967
±$26,335 (90% margin)
Payne County: $49,809
Median home value
$307,600
±$36,034 (90% margin)
Payne County: $223,300
Median gross rent
$1,126
±$300 (90% margin)
Payne County: $917
Where is Census Tract 109.02?
Census Tract 109.02 is one of 23 census tracts in Payne County, Oklahoma. It covers 6.82 square miles of land, 1,009 residents per square mile in 2020. Its GEOID, 40119010902, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Stillwater | 94% |
6 census tracts border Census Tract 109.02: Tract 103 ($27,473), Tract 107 ($35,714), Tract 108 ($30,797), Tract 109.01 ($129,732), Tract 110.01 ($95,313) and Tract 110.02 ($74,514). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 109.02?
The 2020-2024 American Community Survey puts Census Tract 109.02's population at 6,614 (±822) in 2,727 households; the 2020 Census counted 6,880 residents and 3,124 housing units.
| Measure | Tract 109.02 | Stillwater |
|---|---|---|
| Total population | 6,614 ±822 | 49,269 |
| Households | 2,727 ±315 | 19,654 |
| Average household size | 2.42 ±0.23 | 2.05 |
| Housing units | 3,047 ±250 | 22,353 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 109.02?
The median resident of Census Tract 109.02 is 36.6 years old; 25.7% are under 18 and 14.6% are 65 or older. The largest group is non-Hispanic white residents at 73.1%, then non-Hispanic residents of two or more races at 8.5%. 7.9% of residents were born outside the United States.
| Measure | Tract 109.02 | Stillwater |
|---|---|---|
| Median age | 36.6 ±3.8 | 23.9 |
| Under 18 years | 25.7% ±4.4 pts | 14.2% |
| 65 years and over | 14.6% ±2.8 pts | 10.4% |
| Hispanic or Latino (any race) | 4.9% ±3.9 pts | 5.9% |
| White alone, not Hispanic | 73.1% ±6.9 pts | 71.4% |
| Black or African American alone, not Hispanic | 1.1% ±1.6 pts | 4.5% |
| Asian alone, not Hispanic | 8.3% ±3.6 pts | 6.4% |
| American Indian and Alaska Native alone, not Hispanic | 4.0% ±2.5 pts | 3.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.4 pts | 0.1% |
| Two or more races, not Hispanic | 8.5% ±3.6 pts | 8.5% |
| Some other race alone, not Hispanic | 0.0% ±0.4 pts | 0.1% |
| Born outside the United States | 7.9% ±2.9 pts | 8.7% |
| Speak a language other than English at home (age 5+) | 7.8% ±3.0 pts | 10.9% |
| Civilian veterans (age 18+) | 10.6% ±5.4 pts | 4.6% |
| With a disability | 13.3% ±4.9 pts | 13.3% |
| No health insurance coverage | 5.2% ±2.5 pts | 8.7% |
| High school graduate or higher (age 25+) | 99.3% ±0.8 pts | 96.0% |
| Bachelor's degree or higher (age 25+) | 67.5% ±8.4 pts | 49.9% |
| Graduate or professional degree (age 25+) | 37.2% ±7.5 pts | 24.4% |
| Lived in the same house a year earlier | 77.8% ±7.5 pts | 65.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 109.02 earn?
Half of the 2,727 households in Census Tract 109.02 earn less than $93,967 a year (±$26,335), against $49,809 across Payne County: 3rd highest of the county's 23 tracts with a reliable estimate. 10.5% of residents live below the poverty line.
| Measure | Tract 109.02 | Stillwater |
|---|---|---|
| Median household income | $93,967 ±$26,335 | $43,700 |
| Mean household income | $151,131 ±$35,653 | $69,640 |
| Per capita income | $63,455 ±$12,698 | $28,961 |
| People below the poverty line | 10.5% ±5.3 pts | 27.4% |
| Children under 18 below the poverty line | 7.5% ±9.6 pts | 22.6% |
| Households receiving SNAP | 7.7% ±5.2 pts | 8.6% |
| Households with a computer | 100.0% ±0.9 pts | 97.5% |
| Households with a broadband subscription | 98.5% ±2.0 pts | 87.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 109.02?
Owners occupy 69.9% of Census Tract 109.02's occupied homes and renters 30.1%. The median owner-occupied home is valued at $307,600 by its owner (±$36,034). The median renter pays $1,126 a month including utilities, and 40.8% of renters pay 35% or more of their income on rent.
| Measure | Tract 109.02 | Stillwater |
|---|---|---|
| Median home value (owner-occupied) | $307,600 ±$36,034 | $237,200 |
| Median gross rent | $1,126 ±$300 | $947 |
| Renters paying 35% or more of income on rent | 40.8% ±19.1 pts | 51.1% |
| Median monthly owner costs, with a mortgage | $2,211 ±$155 | $1,864 |
| Owner-occupied homes | 69.9% ±8.1 pts | 37.1% |
| Renter-occupied homes | 30.1% ±8.1 pts | 62.9% |
| Housing units | 3,047 ±250 | 22,353 |
| Single-family detached homes | 66.1% ±8.6 pts | 51.3% |
| Mobile homes | 5.1% ±4.8 pts | 4.5% |
| Built 2020 or later | 1.8% ±1.8 pts | 1.3% |
| Built 2010 to 2019 | 28.6% ±8.1 pts | 16.1% |
| Built 1939 or earlier | 0.0% ±0.8 pts | 4.2% |
| Households with no vehicle | 1.4% ±1.7 pts | 6.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 109.02 get to work?
73.9% of Census Tract 109.02's workers drive alone and 10.5% work from home. The average trip to work takes 20.9 minutes.
| Measure | Tract 109.02 | Stillwater |
|---|---|---|
| In the labor force (age 16+) | 66.6% ±6.9 pts | 59.0% |
| Unemployment rate | 3.7% ±3.0 pts | 6.4% |
| Drove alone to work | 73.9% ±6.0 pts | 69.0% |
| Carpooled | 11.2% ±5.0 pts | 8.1% |
| Public transportation | 0.0% ±0.8 pts | 0.8% |
| Walked | 0.6% ±1.0 pts | 8.0% |
| Worked from home | 10.5% ±4.1 pts | 9.7% |
| Mean travel time to work | 20.9 min ±5.8 | 15.4 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 109.02 compare with the other tracts in Payne County?
Among Payne County's tracts with a reliable estimate, Census Tract 109.02 ranks as shown below (1 = highest).
| Measure | In Payne County | In Stillwater |
|---|---|---|
| Population | 2nd of 23 | 2nd of 16 |
| Residents per square mile | 12th of 23 | 12th of 16 |
| Median household income | 3rd of 23 | 3rd of 16 |
| Per capita income | 1st of 23 | 1st of 16 |
| Median home value | 5th of 19 | 5th of 12 |
| Median gross rent | 5th of 22 | 5th of 15 |
| Poverty rate | 21st of 22 | 15th of 16 |
| Bachelor's degree or higher | 2nd of 22 | 2nd of 15 |
| Median age | 8th of 22 | 4th of 15 |
| Owner-occupied share | 6th of 19 | 4th of 12 |
The tracts next to it on Payne County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 109.01 | 1st | $129,732±$11,910 |
| Tract 110.01 | 2nd | $95,313±$14,836 · within the margin of this tract |
| Tract 109.02 | 3rd | $93,967±$26,335 |
| Tract 111.03 | 4th | $84,524±$13,483 · within the margin of this tract |
| Tract 111.01 | 5th | $84,447±$16,475 · within the margin of this tract |
| Tract 110.02 | 6th | $74,514±$21,809 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 109.02?
2 of the 18 figures for Census Tract 109.02 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections