ZIP Code 74820: Population, Income, Housing

State: OK

Total population: 31,943 Household income: $62,357 Rent: $891

Overview

Total population

31,943

Rent

$891

Year built

1977

Household income

$62,357

Per capita income

$32,719

Poverty rate

12%

Unemployment rate

N/A

Household size

2.4 persons

Rent over 30% of income

35.7%

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

Pontotoc County

Total population

31,943

Adults over 25

20,907

Total households

12,636

Household size

2.4 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).

Income & Poverty

Household income

$62,357

Per capita income

$32,719

Poverty rate

12%

Unemployment rate

N/A

Rent over 30% of income

35.7%

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).

Housing

Rent

$891

Year built

1977

Households that rent

36.8%

Households that own

63.2%

Rooms per home (all homes)

5.3

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).

Race

White

62.4%

Black

Asian

1.2%

Two or more races

13.9%

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).

Ethnicity

Hispanic or Latino

6.8%

Not Hispanic or Latino

93.2%

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).

Commute

Commute rate

14,225 (95.8%)

Commute time to work

17 mins

Work from home

631 (4.2%)

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).

Education

Less than high school

26.1%

High school graduate or GED

32.2%

Some college or associate degree

10.4%

Bachelor’s degree or higher

31.2%

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).

Comparison of ZIP Code 74820 with: Oklahoma United States

ZIP 74820

Total population31,943

Rent$891

Year built1977

Household income$62,357

Per capita income$32,719

Poverty rate12%

Unemployment rateN/A

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	ZIP74820	StateOklahoma	CountryUnited States
Total population	31,943	4,028,634	334,922,499
Rent	$891	$1,014	$1,413
Year built	1977	1980	1980
Household income	$62,357	$65,039	$80,734
Per capita income	$32,719	$35,624	$44,673
Poverty rate	12%	15.3%	12.5%
Unemployment rate	N/A	3.3%	4%

View the full multi-level comparison →

Summary for 74820

Rent & Income

In 74820, the typical monthly rent is $891 and the typical household income is $62,357. Rent here is lower than Oklahoma, and household income is similar to Oklahoma. The estimated poverty rate is 12%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 36.8% of households. Around 35.7% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is moderate, with about 31.2% of adults holding a bachelor’s degree or higher.

ZIP 74820 — Rent vs Household Income

ZIP 74820 — Poverty

How ZIP 74820 compares in Oklahoma (28 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$891	2 / 28	from lower rent	$833 – $1,826
Household income	$62,357	19 / 28	from higher income	$45,421 – $126,659
Poverty rate	12%	15 / 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 74820

Rent

When it comes to rent, ZIP Code 74820 ranks 2nd out of 28 ZIP Codes in Oklahoma. Statewide, values range from $833 in ZIP 74464 up to $1,826 in ZIP 73012.

Household income

Income-wise, this area is placed 19th out of 28 ZIP Codes. Across Oklahoma, figures vary from $45,421 in ZIP 73119 up to $126,659 in ZIP 73012.

Poverty rate

When it comes to poverty, ZIP Code 74820 places 15th out of 28 ZIP Codes. Throughout Oklahoma, numbers span from 5.1% in ZIP 73012 up to 25.5% in ZIP 73119.

💰 Rent in ZIP Code 74820 (with Utilities)

Estimated Monthly Rent: $891 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 74820

Annual Household Income: $62,357

💡 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 74820

Estimated Rate: 12%

💡 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 74820

In ZIP Code 74820, households that rent: 4,651 (36.8%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	4,651	36.8%
Owner-Occupied	7,985	63.2%

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 74820

In ZIP Code 74820, cost-burdened renters (households spending over 30% of income on housing): 1,660 (35.7%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	1,660	35.7%
Other renter households	2,991	64.3%
Total renter households	4,651	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 74820

Less than High School: 5,460 people (26.1%)

Includes adults who did not complete high school.

High School Graduate or GED: 6,739 people (32.2%)

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

Some College or Associate Degree: 2,181 people (10.4%)

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

Bachelor’s Degree or Higher: 6,527 people (31.2%)

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

👥 Total Adults (25+): 20,907

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.