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 Moderate-density area
- $50,818
- Median income Below-median income area
- $127,600
- Median home value Below-median home value
- 18.0%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 74354 (Miami, OK) rose +18.8% from 2023 to 2024. The all-transactions index moved from 183.4 in 2023 to 217.9 in 2024 (2000 = 100).
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 average Oklahoma ZIP), while per-capita income is $25,655. The poverty rate is 20.5%, 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 $127,600 (18% below the average Oklahoma ZIP), and median rent is $830; owner occupancy is 63.2%.
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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Ottawa County, so 74354 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 74354
Top 5 sectors by establishment count in Miami, OK
Which industries have the most business establishments in ZIP 74354.
- Retail trade
Retail trade
66 establishments
- Health care and social assistance
Health care and social assistance
56 establishments
- Finance and insurance
Finance and insurance
38 establishments
- Accommodation and food services
Accommodation and food services
33 establishments
- Other services (except public administration)
Other services (except public administration)
32 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 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
Who lives in ZIP 74354?
34.8
Median Age
48.8%
Male
51.2%
Female
2.9%
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?
$50,818
Median Household Income
-19% vs state ZIP avg
$25,655
Per Capita Income
20.5%
Poverty Rate
2.6%
Unemployment Rate
18.4 min
Mean Commute Time
How ZIP 74354 ranks among Oklahoma ZIPs
Miami, 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)
$50,818 26th percentile higher than 26% 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
7,591housing units
7,591
Total Housing Units
6,664
Occupied Units
927
Vacant Units
2.44
Avg Household Size
Occupancy Type
$127,600
Median Home Value
-18% vs state ZIP avg
$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.
- 74354
Miami (74354)
18,126 residents
- 66713 5,836
Baxter Springs (66713)
5,836 residents
- 74343 3,100
Fairland (74343)
3,100 residents
- 74339 2,606
Commerce (74339)
2,606 residents
- 74358 270
North Miami (74358)
270 residents
- 66778 139
Treece (66778)
139 residents
- 74360 31
Picher (74360)
31 residents
What this shows Among its immediate neighbors, ZIP 74354 ranks the most populous - useful context the national average alone can't give.
ZIP 74354 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 66713
Baxter Springs (66713)
$61,250 median income
- 74354
Miami (74354)
$50,818 median income
- 74358
North Miami (74358)
$50,000 median income
- 74343
Fairland (74343)
$47,829 median income
- 74339
Commerce (74339)
$34,970 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 74354, 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 (18,126 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Ottawa County
Related Areas
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.
Related
Take this with you
What to do with ZIP 74354's numbers, next.
- See how ZIP 74354 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Miami, OK ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.