PlainZIP

Yale, OK · standard

ZIP Code 74085

Payne County, Oklahoma - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,588
11/sq mi
$43,600
Median income
$200,400
Median home value
10.9%
Bachelor's or higher

The verdict

Yale pairs one of the lowest household incomes in the country with below-median home values, in a rural, homeowner-dominated area.

8th pct
household income, US ZIPs
43th pct
home value, US ZIPs
11
people per sq mi
72%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 74085 against every reporting US ZIP.

ZIP code 74085 covers 241.9 square miles in Yale, Payne County, Oklahoma (a standard USPS delivery area), with a modest 2,588 residents on file, a density of 11 people per square mile, in the Chicago time zone.

ZIP 74085 reports a modest median household income of $43,600 (30% below the Oklahoma average), while per-capita income is $25,576. Local economic indicators show a 18.5% poverty rate alongside 3.7% unemployment. On housing, the median home value is $200,400 (28% above the state average) with median rent at $775 per month, and 72.4% of occupied units are owner-occupied.

Formal educational attainment runs low here: just 10.9% of adults hold a bachelor's degree or higher, the median age is 43.1, and the average commute is -. To put 74085 in local context, 3 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Payne County, for a geography-aware comparison.

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 74085

Top 5 sectors by establishment count in Yale, OK

Which industries have the most business establishments in ZIP 74085.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 74085, Yale, 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

2,588

Population

241.9

Area (sq mi)

11

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 74085?

43.1

Median Age

50.5%

Male

49.5%

Female

0.4%

Foreign-Born

White 84.3%
African American 0.0%
Asian 1.5%
American Indian or Alaska Native 4.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.4%
Hispanic or Latino 8.7%

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?

$43,600

Median Household Income

-30% vs state

$25,576

Per Capita Income

18.5%

Poverty Rate

3.7%

Unemployment Rate

How ZIP 74085 ranks nationally

Yale, OK household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$43,600 8th percentile higher than 8% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 64.8%
Bachelor's Degree or Higher 10.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,178

Total Housing Units

982

Occupied Units

196

Vacant Units

2.47

Avg Household Size

Occupancy Type

Owner 72.4%
Renter 27.6%

$200,400

Median Home Value

+28% vs state

$775

Median Rent

1977

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What businesses operate in this ZIP?

Census Bureau data shows 35 business establishments in ZIP 74085, employing approximately 250 people with a combined annual payroll of $12,219,000.

35

Businesses

250

Employees

$12.2M

Annual Payroll

7

Industry Sectors

Industry Establishments % of Total
Construction 6 17.1%
Retail trade 6 17.1%
Other services (except public administration) 6 17.1%
Professional, scientific, and technical services 4 11.4%
Manufacturing 3 8.6%
Finance and insurance 3 8.6%
Accommodation and food services 3 8.6%

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 74085 vs 74045 →

ZIP 74085 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 74085 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 74085 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 74085 ranks the highest of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
74045 Maramec, OK 311 7.8 mi
74052 Oilton, OK 1,180 7.8 mi
74034 Hallett, OK 150 11.0 mi

More ZIP Codes in Payne County

74074 standard
Stillwater, OK
Pop: 29,184
74075 standard
Stillwater, OK
Pop: 23,866
74023 standard
Cushing, OK
Pop: 11,741
74059 standard
Perkins, OK
Pop: 5,476
74078 standard
Stillwater, OK
Pop: 2,295
74032 standard
Glencoe, OK
Pop: 2,219

Related Areas

Payne County Yale, OK Oklahoma

Frequently Asked Questions

What county is ZIP code 74085 in? ▼
ZIP code 74085 (Yale) 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 74085? ▼
ZIP code 74085 in Yale, OK has a population of 2,588 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 74085? ▼
The median household income in ZIP 74085 is $43,600, which is 43% below the national average of $76,288.
What is the average home value in ZIP 74085? ▼
The median home value in ZIP 74085 is $200,400, which is 28% below the national average of $278,155.
What is the demographic makeup of ZIP 74085? ▼
The largest racial group in ZIP 74085 is White at 84.3%. Hispanic or Latino residents make up 8.7% of the population.
How many businesses are in ZIP code 74085? ▼
ZIP code 74085 has 35 business establishments employing approximately 250 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 74085? ▼
The top industries by establishment count in ZIP 74085 are: Construction (6), Retail trade (6), Other services (except public administration) (6). There are 7 industry sectors represented in total.
What is the education level in ZIP code 74085? ▼
In ZIP code 74085, 64.8% of residents aged 25+ have a high school diploma or higher, and 10.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 74085? ▼
In ZIP code 74085, approximately 72.4% of occupied housing units are owner-occupied and 27.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 74085? ▼
The poverty rate in ZIP code 74085 is 18.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.