ZIP Code 74074: Population, Income, Housing

State: OK
Total population: 32,422 Household income: $52,998 Rent: $966

Overview

Total population
32,422
Rent
$966
Year built
1988
Household income
$52,998
Per capita income
$36,688
Poverty rate
23.5%
Unemployment rate
N/A
Household size
2.2 persons
Rent over 30% of income
61.1%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Oklahoma
County
Payne County
City
Stillwater
Total population
32,422
Adults over 25
17,370
Total households
13,045
Household size
2.2 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$52,998
Per capita income
$36,688
Poverty rate
23.5%
Unemployment rate
N/A
Rent over 30% of income
61.1%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$966
Year built
1988
Households that rent
51%
Households that own
49%
Rooms per home (all homes)
5.0

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
77.7%
Black
3.7%
Asian
3.5%
Two or more races
10.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
7.2%
Not Hispanic or Latino
92.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
14,038 (91%)
Commute time to work
17 mins
Work from home
1,387 (9%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
23.3%
High school graduate or GED
18.4%
Some college or associate degree
8.9%
Bachelor’s degree or higher
49.4%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 74074 with: Payne County, OK Oklahoma United States

ZIP 74074

Total population32,422
Rent$966
Year built1988
Household income$52,998
Per capita income$36,688
Poverty rate23.5%
Unemployment rateN/A

Payne County, OK

Total population82,972
Rent$917
Year built1984
Household income$49,809
Per capita income$30,874
Poverty rate22.6%
Unemployment rate2.9%

Oklahoma State

Total population4,028,634
Rent$1,014
Year built1980
Household income$65,039
Per capita income$35,624
Poverty rate15.3%
Unemployment rate3.3%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP74074 CountyPayne, OKStateOklahomaCountryUnited States
Total population32,42282,9724,028,634334,922,499
Rent$966$917$1,014$1,413
Year built1988198419801980
Household income$52,998$49,809$65,039$80,734
Per capita income$36,688$30,874$35,624$44,673
Poverty rate23.5%22.6%15.3%12.5%
Unemployment rateN/A2.9%3.3%4%

View the full multi-level comparison →

 

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Summary for 74074

Rent & Income

In 74074, the typical monthly rent is $966 and the typical household income is $52,998. Rent here is similar to Oklahoma, and household income is lower than Oklahoma. The estimated poverty rate is 23.5%.

Housing & Affordability

Renters make up about 51% of households, indicating a relatively balanced mix of renters and owners. About 61.1% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 49.4% of adults holding a bachelor’s degree or higher.

 

ZIP 74074 — Rent vs Household Income

 

 

ZIP 74074 — Poverty

 

 

How ZIP 74074 compares in Oklahoma (28 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $966 5 / 28 from lower rent $833 – $1,826
Household income $52,998 24 / 28 from higher income $45,421 – $126,659
Poverty rate 23.5% 27 / 28 from lower poverty 5.1% – 25.5%

Rankings are calculated among ZIP Codes in Oklahoma with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 74074

Rent

For rent, this ZIP is positioned 5th out of 28 ZIP Codes in Oklahoma. In Oklahoma as a whole, the range goes from $833 in ZIP 74464 up to $1,826 in ZIP 73012.

Household income

For household income, ZIP Code 74074 ranks 24th out of 28 ZIP Codes. Statewide, values range from $45,421 in ZIP 73119 up to $126,659 in ZIP 73012.

Poverty rate

For poverty levels, this ZIP is positioned 27th out of 28 ZIP Codes. Across Oklahoma, figures vary from 5.1% in ZIP 73012 up to 25.5% in ZIP 73119.

 

💰 Rent in ZIP Code 74074 (with Utilities)

Estimated Monthly Rent: $966 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 74074

Annual Household Income: $52,998

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 74074

Estimated Rate: 23.5%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 74074

In ZIP Code 74074, households that rent: 6,651 (51%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 6,651 51%
Owner-Occupied 6,394 49%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 74074

In ZIP Code 74074, cost-burdened renters (households spending over 30% of income on housing): 4,065 (61.1%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 4,065 61.1%
Other renter households 2,586 38.9%
Total renter households 6,651 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 74074

Less than High School: 4,043 people (23.3%)

Includes adults who did not complete high school.

High School Graduate or GED: 3,200 people (18.4%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 1,554 people (8.9%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 8,573 people (49.4%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 17,370

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.