PlainZIP

Miami, OK · standard

ZIP Code 74354

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

18,126
39/sq mi
$50,818
Median income
$127,600
Median home value
18.0%
Bachelor's or higher

The verdict

Miami pairs one of the lowest household incomes in the country with among the most affordable home values nationally, in a rural, homeowner-dominated area.

15th pct
household income, US ZIPs
19th pct
home value, US ZIPs
39
people per sq mi
63%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 74354 against every reporting US ZIP.

ZIP code 74354 is a mid-sized community (a standard USPS delivery area) in Miami, Ottawa County, Oklahoma, home to 18,126 residents across 468.4 square miles, a density of 39 people per square mile, in the Chicago time zone.

ZIP 74354 reports a modest median household income of $50,818 (19% below the Oklahoma average), while per-capita income is $25,655. The poverty rate stands at 20.5% and the unemployment rate at 2.6%. On housing, the median home value is $127,600 (18% below the state average) with median rent at $830 per month, and 63.2% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 18.0% of adults hold a bachelor's degree or higher, the median age is 34.8, and the average commute is 18 minutes. To put 74354 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Ottawa 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 74354

Top 5 sectors by establishment count in Miami, OK

Which industries have the most business establishments in ZIP 74354.

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 74354, Miami, 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

18,126

Population

468.4

Area (sq mi)

39

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 74354?

34.8

Median Age

48.8%

Male

51.2%

Female

2.9%

Foreign-Born

White 63.3%
African American 1.7%
Asian 1.0%
American Indian or Alaska Native 18.9%
Native Hawaiian or Pacific Islander 1.1%
Two or More Ethnicities 11.2%
Hispanic or Latino 5.9%

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?

$50,818

Median Household Income

-19% vs state

$25,655

Per Capita Income

20.5%

Poverty Rate

2.6%

Unemployment Rate

18.4 min

Mean Commute Time

How ZIP 74354 ranks nationally

Miami, OK household income vs. every US ZIP code

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

$50,818 15th percentile higher than 15% 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 49.9%
Bachelor's Degree or Higher 18.0%

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

What does housing look like?

7,591

Total Housing Units

6,664

Occupied Units

927

Vacant Units

2.44

Avg Household Size

Occupancy Type

Owner 63.2%
Renter 36.8%

$127,600

Median Home Value

-18% vs state

$830

Median Rent

1971

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

+18.8%

YoY Change (2024)

218

HPI Index (2000 = 100)

+118%

Total Change Since 2000

Home values in ZIP 74354 have increased 18.8% over the past year (2024). Since 2000, this ZIP has seen +118% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.1% 143
2021 +6.8% 153
2022 +9.6% 167
2023 +9.7% 183
2024 +18.8% 218

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 364 business establishments in ZIP 74354, employing approximately 5,438 people with a combined annual payroll of $223,153,000.

364

Businesses

5,438

Employees

$223.2M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 66 18.1%
Health care and social assistance 56 15.4%
Finance and insurance 38 10.4%
Accommodation and food services 33 9.1%
Other services (except public administration) 32 8.8%
Construction 28 7.7%
Professional, scientific, and technical services 28 7.7%
Manufacturing 24 6.6%
Administrative and support and waste management and remediation services 13 3.6%
Real estate and rental and leasing 12 3.3%
Wholesale trade 10 2.8%
Transportation and warehousing 6 1.6%
Information 6 1.6%
Arts, entertainment, and recreation 6 1.6%
Management of companies and enterprises 4 1.1%

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 74354 vs 74358 →

ZIP 74354 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 74354 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 74354 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 74354 ranks #2 of 5 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
74358 North Miami, OK 270 2.2 mi
74339 Commerce, OK 2,606 3.3 mi
74360 Picher, OK 31 6.5 mi
66778 Treece, KS 139 8.2 mi
74343 Fairland, OK 3,100 10.4 mi
66713 Baxter Springs, KS 5,836 11.5 mi

More ZIP Codes in Ottawa County

74370 standard
Wyandotte, OK
Pop: 3,537
74343 standard
Fairland, OK
Pop: 3,100
74363 standard
Quapaw, OK
Pop: 2,892
74339 standard
Commerce, OK
Pop: 2,606
74358 standard
North Miami, OK
Pop: 270
74360 standard
Picher, OK
Pop: 31

Related Areas

Ottawa County Miami, OK Oklahoma

Frequently Asked Questions

What county is ZIP code 74354 in? ▼
ZIP code 74354 (Miami) is located in Ottawa County, Oklahoma. Ottawa County contains multiple ZIP codes, see the full list at /counties/ottawa-ok.
What is the population of ZIP code 74354? ▼
ZIP code 74354 in Miami, OK has a population of 18,126 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 74354? ▼
The median household income in ZIP 74354 is $50,818, which is 33% below the national average of $76,288.
What is the average home value in ZIP 74354? ▼
The median home value in ZIP 74354 is $127,600, which is 54% below the national average of $278,155.
What is the demographic makeup of ZIP 74354? ▼
The largest racial group in ZIP 74354 is White at 63.3%. Hispanic or Latino residents make up 5.9% of the population.
How many businesses are in ZIP code 74354? ▼
ZIP code 74354 has 364 business establishments employing approximately 5,438 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 74354? ▼
The top industries by establishment count in ZIP 74354 are: Retail trade (66), Health care and social assistance (56), Finance and insurance (38). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 74354? ▼
According to the FHFA House Price Index, home values in ZIP 74354 increased by 18.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 118%. 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 74354? ▼
In ZIP code 74354, 49.9% of residents aged 25+ have a high school diploma or higher, and 18.0% 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 74354? ▼
The mean commute time for workers in ZIP code 74354 is 18.4 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 74354? ▼
In ZIP code 74354, approximately 63.2% of occupied housing units are owner-occupied and 36.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 74354? ▼
The poverty rate in ZIP code 74354 is 20.5% 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.