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 Moderate-density area
- $52,998
- Median income Below-median income area
- $258,700
- Median home value Near-median home value
- 49.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 74074 (Stillwater, OK) rose +5.6% from 2023 to 2024. The all-transactions index moved from 217.3 in 2023 to 229.6 in 2024 (2000 = 100).
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 average Oklahoma ZIP), while per-capita income is $36,688. The poverty rate is 23.5%, so the area-level income figures should not be treated as typical household experience. Housing costs run above the statewide ZIP benchmark while renting is common: median home value is $258,700 (66% above the average Oklahoma ZIP), with only 49.0% owner-occupied homes and median rent of $966.
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. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Payne County, so 74074 can be compared with both its immediate and county-level context.
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 ZIP avg
$36,688
Per Capita Income
23.5%
Poverty Rate
5.3%
Unemployment Rate
17.3 min
Mean Commute Time
How ZIP 74074 ranks among Oklahoma ZIPs
Stillwater, OK household income vs. every Oklahoma ZIP code
Median household income among 616 reporting Oklahoma ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$52,998 32nd percentile higher than 32% of 616 Oklahoma ZIPs
Each bar is a $20K-wide band; taller bars hold more Oklahoma 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?
Housing stock: occupied vs vacant
14,661housing units
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 ZIP avg
$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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 74074, both outside OK so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (29,184 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Payne County
Related Areas
Frequently Asked Questions
What county is ZIP code 74074 in?
ZIP code 74074 (Stillwater) is located in Payne County, Oklahoma. Payne County contains multiple ZIP codes, see the full list at /counties/payne-ok.
What is the population of ZIP code 74074?
ZIP code 74074 in Stillwater, OK has a population of 29,184 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 74074?
The median household income in ZIP 74074 is $52,998, which is 31% below the national average of $76,288.
What is the average home value in ZIP 74074?
The median home value in ZIP 74074 is $258,700, which is 7% below the national average of $278,155.
What is the demographic makeup of ZIP 74074?
The largest racial group in ZIP 74074 is White at 77.7%. Hispanic or Latino residents make up 7.2% of the population.
How many businesses are in ZIP code 74074?
ZIP code 74074 has 891 business establishments employing approximately 11,451 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 74074?
The top industries by establishment count in ZIP 74074 are: Retail trade (141), Health care and social assistance (120), Accommodation and food services (115). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 74074?
According to the FHFA House Price Index, home values in ZIP 74074 increased by 5.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 130%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 74074?
In ZIP code 74074, 67.8% of residents aged 25+ have a high school diploma or higher, and 49.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 74074?
The mean commute time for workers in ZIP code 74074 is 17.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 74074?
In ZIP code 74074, approximately 49.0% of occupied housing units are owner-occupied and 51.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 74074?
The poverty rate in ZIP code 74074 is 23.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 74074's numbers, next.
- See how ZIP 74074 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Stillwater, OK ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.