Mcloud, OK · standard
ZIP Code 74851
Pottawatomie County, Oklahoma - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,805
- 44/sq mi Moderate-density area
- $74,438
- Median income Near-median income area
- $173,800
- Median home value Near-median home value
- 13.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Mcloud pairs an above-median household income with below-median home values, in a rural, homeowner-dominated area.
- Top 46%
- household income, US ZIPs
- 36th pct
- home value, US ZIPs
- 44
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 74851 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 74851 (Mcloud, OK) rose +7.0% from 2023 to 2024. The all-transactions index moved from 277.3 in 2023 to 296.7 in 2024 (2000 = 100).
ZIP code 74851 is a mid-sized community (a standard USPS delivery area) in Mcloud, Pottawatomie County, Oklahoma, home to 9,805 residents across 220.8 square miles, a density of 44 people per square mile, in the Chicago time zone.
ZIP 74851 lands in the middle-income range, with a median household income of $74,438 (19% above the average Oklahoma ZIP), while per-capita income is $28,767. The poverty rate is 11.1%, with unemployment at 6.5%; those measures add context to the income figure. Median home value is $173,800 (11% above the average Oklahoma ZIP) and median rent is $701; 83.9% of occupied homes are owner-occupied.
Formal educational attainment runs low here: just 13.8% of adults hold a bachelor's degree or higher, the median age is 40.1, and the average commute is 28 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Pottawatomie County, so 74851 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 74851
Top 5 sectors by establishment count in Mcloud, OK
Which industries have the most business establishments in ZIP 74851.
- Construction
Construction
21 establishments
- Other services (except public administration)
Other services (except public administration)
12 establishments
- Retail trade
Retail trade
10 establishments
- Professional, scientific, and technical services 7
Professional, scientific, and technical services
7 establishments
- Health care and social assistance 6
Health care and social assistance
6 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 74851, Mcloud, 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
9,805
Population
220.8
Area (sq mi)
44
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 74851?
40.1
Median Age
44.7%
Male
55.3%
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?
$74,438
Median Household Income
+19% vs state ZIP avg
$28,767
Per Capita Income
11.1%
Poverty Rate
6.5%
Unemployment Rate
28.0 min
Mean Commute Time
How ZIP 74851 ranks among Oklahoma ZIPs
Mcloud, 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)
$74,438 Top 20% higher than 80% 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
3,976housing units
3,976
Total Housing Units
3,759
Occupied Units
217
Vacant Units
2.69
Avg Household Size
Occupancy Type
$173,800
Median Home Value
+11% vs state ZIP avg
$701
Median Rent
1991
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
+7.0%
YoY Change (2024)
297
HPI Index (2000 = 100)
+197%
Total Change Since 2000
Home values in ZIP 74851 have increased 7.0% over the past year (2024). Since 2000, this ZIP has seen +197% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +7.1% | 205 |
| 2021 | +6.9% | 219 |
| 2022 | +13.1% | 248 |
| 2023 | +12.0% | 277 |
| 2024 | +7.0% | 297 |
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 84 business establishments in ZIP 74851, employing approximately 436 people with a combined annual payroll of $18,486,000.
84
Businesses
436
Employees
$18.5M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 21 | 25.0% |
| Other services (except public administration) | 12 | 14.3% |
| Retail trade | 10 | 11.9% |
| Professional, scientific, and technical services | 7 | 8.3% |
| Health care and social assistance | 6 | 7.1% |
| Accommodation and food services | 6 | 7.1% |
| Administrative and support and waste management and remediation services | 4 | 4.8% |
| Wholesale trade | 3 | 3.6% |
| Transportation and warehousing | 3 | 3.6% |
| Finance and insurance | 3 | 3.6% |
| Real estate and rental and leasing | 3 | 3.6% |
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 74851 vs 73045 →
ZIP 74851 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 74801
Shawnee (74801)
21,657 residents
- 73045
Harrah (73045)
10,378 residents
- 74851
Mcloud (74851)
9,805 residents
- 74857
Newalla (74857)
9,288 residents
What this shows Among its immediate neighbors, ZIP 74851 ranks #3 by population - useful context the national average alone can't give.
ZIP 74851 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 74857
Newalla (74857)
$92,479 median income
- 73045
Harrah (73045)
$81,274 median income
- 74851
Mcloud (74851)
$74,438 median income
- 74801
Shawnee (74801)
$55,077 median income
What this shows By household income, ZIP 74851 ranks #3 of 4 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 74851, 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 (9,805 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Pottawatomie County
Related Areas
Frequently Asked Questions
What county is ZIP code 74851 in?
ZIP code 74851 (Mcloud) is located in Pottawatomie County, Oklahoma. Pottawatomie County contains multiple ZIP codes, see the full list at /counties/pottawatomie-ok.
What is the population of ZIP code 74851?
ZIP code 74851 in Mcloud, OK has a population of 9,805 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 74851?
The median household income in ZIP 74851 is $74,438, which is 2% below the national average of $76,288.
What is the average home value in ZIP 74851?
The median home value in ZIP 74851 is $173,800, which is 38% below the national average of $278,155.
What is the demographic makeup of ZIP 74851?
The largest racial group in ZIP 74851 is White at 68.1%. Hispanic or Latino residents make up 6.8% of the population.
How many businesses are in ZIP code 74851?
ZIP code 74851 has 84 business establishments employing approximately 436 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 74851?
The top industries by establishment count in ZIP 74851 are: Construction (21), Other services (except public administration) (12), Retail trade (10). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 74851?
According to the FHFA House Price Index, home values in ZIP 74851 increased by 7.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 197%. 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 74851?
In ZIP code 74851, 51.4% of residents aged 25+ have a high school diploma or higher, and 13.8% 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 74851?
The mean commute time for workers in ZIP code 74851 is 28.0 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 74851?
In ZIP code 74851, approximately 83.9% of occupied housing units are owner-occupied and 16.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 74851?
The poverty rate in ZIP code 74851 is 11.1% 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 74851's numbers, next.
- See how ZIP 74851 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Mcloud, 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.