Jay, OK · standard
ZIP Code 74346
Delaware County, Oklahoma - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,864
- 14/sq mi Moderate-density area
- $49,556
- Median income Below-median income area
- $129,700
- Median home value Below-median home value
- 13.9%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Jay pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.
- 14th pct
- household income, US ZIPs
- 20th pct
- home value, US ZIPs
- 14
- people per sq mi
- 75%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 74346 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 74346 (Jay, OK) fell -4.3% from 2023 to 2024.
ZIP code 74346 is a mid-sized community (a standard USPS delivery area) in Jay, Delaware County, Oklahoma, home to 7,864 residents across 574.0 square miles, a density of 14 people per square mile, in the Chicago time zone.
ZIP 74346 reports a modest median household income of $49,556 (21% below the average Oklahoma ZIP), while per-capita income is $48,107. The poverty rate is 23.6%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $129,700 (17% below the average Oklahoma ZIP), and median rent is $821; owner occupancy is 75.0%.
Formal educational attainment runs low here: just 13.9% of adults hold a bachelor's degree or higher, the median age is 37.5, and the average commute is 27 minutes. No nearby ZIP peer set is available for this delivery area, so the Oklahoma and national benchmarks above are the appropriate context for 74346.
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 74346
Top 5 sectors by establishment count in Jay, OK
Which industries have the most business establishments in ZIP 74346.
- Health care and social assistance
Health care and social assistance
19 establishments
- Retail trade
Retail trade
18 establishments
- Construction
Construction
14 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
13 establishments
- Accommodation and food services
Accommodation and food services
12 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 74346, Jay, 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
7,864
Population
574.0
Area (sq mi)
14
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 74346?
37.5
Median Age
50.7%
Male
49.3%
Female
2.7%
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?
$49,556
Median Household Income
-21% vs state ZIP avg
$48,107
Per Capita Income
23.6%
Poverty Rate
6.7%
Unemployment Rate
26.8 min
Mean Commute Time
How ZIP 74346 ranks among Oklahoma ZIPs
Jay, 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)
$49,556 22nd percentile higher than 22% 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
3,762housing units
3,762
Total Housing Units
2,923
Occupied Units
839
Vacant Units
2.75
Avg Household Size
Occupancy Type
$129,700
Median Home Value
-17% vs state ZIP avg
$821
Median Rent
1984
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What businesses operate in this ZIP?
Census Bureau data shows 106 business establishments in ZIP 74346, employing approximately 1,210 people with a combined annual payroll of $54,784,000.
106
Businesses
1,210
Employees
$54.8M
Annual Payroll
10
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 19 | 17.9% |
| Retail trade | 18 | 17.0% |
| Construction | 14 | 13.2% |
| Professional, scientific, and technical services | 13 | 12.3% |
| Accommodation and food services | 12 | 11.3% |
| Other services (except public administration) | 6 | 5.7% |
| Finance and insurance | 5 | 4.7% |
| Real estate and rental and leasing | 5 | 4.7% |
| Administrative and support and waste management and remediation services | 4 | 3.8% |
| Arts, entertainment, and recreation | 3 | 2.8% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 74346, 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 (7,864 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Delaware County
Related Areas
Frequently Asked Questions
What county is ZIP code 74346 in?
ZIP code 74346 (Jay) is located in Delaware County, Oklahoma. Delaware County contains multiple ZIP codes, see the full list at /counties/delaware-ok.
What is the population of ZIP code 74346?
ZIP code 74346 in Jay, OK has a population of 7,864 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 74346?
The median household income in ZIP 74346 is $49,556, which is 35% below the national average of $76,288.
What is the average home value in ZIP 74346?
The median home value in ZIP 74346 is $129,700, which is 53% below the national average of $278,155.
What is the demographic makeup of ZIP 74346?
The largest racial group in ZIP 74346 is White at 53.1%. Hispanic or Latino residents make up 6.2% of the population.
How many businesses are in ZIP code 74346?
ZIP code 74346 has 106 business establishments employing approximately 1,210 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 74346?
The top industries by establishment count in ZIP 74346 are: Health care and social assistance (19), Retail trade (18), Construction (14). There are 10 industry sectors represented in total.
What is the education level in ZIP code 74346?
In ZIP code 74346, 52.8% of residents aged 25+ have a high school diploma or higher, and 13.9% 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 74346?
The mean commute time for workers in ZIP code 74346 is 26.8 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 74346?
In ZIP code 74346, approximately 75.0% of occupied housing units are owner-occupied and 25.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 74346?
The poverty rate in ZIP code 74346 is 23.6% 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 74346's numbers, next.
- See how ZIP 74346 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Jay, 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.