Stillwater, OK · standard
ZIP Code 74074
Payne County, Oklahoma - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 29,184
- 86/sq mi
- $52,998
- Median income
- $258,700
- Median home value
- 49.4%
- Bachelor's or higher
The verdict
Stillwater pairs one of the lowest household incomes in the country with above-median home values, in a rural, mixed-tenure area.
- 18th pct
- household income, US ZIPs
- Top 41%
- home value, US ZIPs
- 86
- people per sq mi
- 49%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 74074 against every reporting US ZIP.
ZIP code 74074 is a densely settled ZIP (a standard USPS delivery area) in Stillwater, Payne County, Oklahoma, with 29,184 residents across 341.3 square miles, a density of 86 people per square mile, in the Chicago time zone.
ZIP 74074 reports a modest median household income of $52,998 (15% below the Oklahoma average), while per-capita income is $36,688. Local economic indicators show a 23.5% poverty rate alongside 5.3% unemployment. The typical home here is valued at $258,700 (66% above the state average); renters pay a median of $966 monthly, and 49.0% of units are owner-occupied.
A solid share of residents have a four-year degree: 49.4% of adults hold a bachelor's degree or higher, the median age is 27.3, and the average commute is 17 minutes. We also surface 3 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Payne County, so you can benchmark 74074 against its immediate geography rather than a national average alone.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 74074
Top 5 sectors by establishment count in Stillwater, OK
Which industries have the most business establishments in ZIP 74074.
- Retail trade
Retail trade
141 establishments
- Health care and social assistance
Health care and social assistance
120 establishments
- Accommodation and food services
Accommodation and food services
115 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
91 establishments
- Other services (except public administration)
Other services (except public administration)
85 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 74074, Stillwater, OK · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
29,184
Population
341.3
Area (sq mi)
86
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 74074?
27.3
Median Age
50.7%
Male
49.3%
Female
5.2%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$52,998
Median Household Income
-15% vs state
$36,688
Per Capita Income
23.5%
Poverty Rate
5.3%
Unemployment Rate
17.3 min
Mean Commute Time
How ZIP 74074 ranks nationally
Stillwater, OK household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$52,998 18th percentile higher than 18% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
14,661
Total Housing Units
13,045
Occupied Units
1,616
Vacant Units
2.23
Avg Household Size
Occupancy Type
$258,700
Median Home Value
+66% vs state
$966
Median Rent
1988
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+5.6%
YoY Change (2024)
230
HPI Index (2000 = 100)
+130%
Total Change Since 2000
Home values in ZIP 74074 have increased 5.6% over the past year (2024). Since 2000, this ZIP has seen +130% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.1% | 169 |
| 2021 | +8.1% | 183 |
| 2022 | +13.3% | 207 |
| 2023 | +4.9% | 217 |
| 2024 | +5.6% | 230 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 891 business establishments in ZIP 74074, employing approximately 11,451 people with a combined annual payroll of $501,903,000.
891
Businesses
11,451
Employees
$501.9M
Annual Payroll
18
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 141 | 15.8% |
| Health care and social assistance | 120 | 13.5% |
| Accommodation and food services | 115 | 12.9% |
| Professional, scientific, and technical services | 91 | 10.2% |
| Other services (except public administration) | 85 | 9.5% |
| Construction | 65 | 7.3% |
| Finance and insurance | 53 | 6.0% |
| Real estate and rental and leasing | 50 | 5.6% |
| Administrative and support and waste management and remediation services | 42 | 4.7% |
| Wholesale trade | 27 | 3.0% |
| Manufacturing | 24 | 2.7% |
| Transportation and warehousing | 20 | 2.2% |
| Information | 20 | 2.2% |
| Mining, quarrying, and oil and gas extraction | 11 | 1.2% |
| Arts, entertainment, and recreation | 9 | 1.0% |
| Educational services | 8 | 0.9% |
| Management of companies and enterprises | 6 | 0.7% |
| Utilities | 4 | 0.5% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 74074 vs 74078 →
ZIP 74074 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 74074
Stillwater (74074)
29,184 residents
- 74075
Stillwater (74075)
23,866 residents
- 74059 5,476
Perkins (74059)
5,476 residents
- 74078 2,295
Stillwater (74078)
2,295 residents
What this shows Among its immediate neighbors, ZIP 74074 ranks the most populous - useful context the national average alone can't give.
ZIP 74074 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 74074
Stillwater (74074)
$52,998 median income
- 74059
Perkins (74059)
$51,679 median income
- 74075
Stillwater (74075)
$46,053 median income
What this shows By household income, ZIP 74074 ranks the highest of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
More ZIP Codes in Payne County
Related Areas
Frequently Asked Questions
What county is ZIP code 74074 in? ▼
What is the population of ZIP code 74074? ▼
What is the median household income in ZIP 74074? ▼
What is the average home value in ZIP 74074? ▼
What is the demographic makeup of ZIP 74074? ▼
How many businesses are in ZIP code 74074? ▼
What are the main industries in ZIP code 74074? ▼
How have home values changed in ZIP code 74074? ▼
What is the education level in ZIP code 74074? ▼
What is the average commute time in ZIP 74074? ▼
What percentage of residents own vs. rent in ZIP 74074? ▼
What is the poverty rate in ZIP code 74074? ▼
Read our methodology to see how this data is sourced, computed, and verified.