74074Stillwater, Oklahoma

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 74074.

61out of 100
Area Score
Top 46% of 5,298 published profiles

How we calculate this

How this area ranks
Opportunity4476th of 6,210 published ZIP areas44
SchoolsTop 12% of 4,422 published ZIP areas81
GrowthTop 15% of 5,428 published ZIP areas71
Housing affordability4327th of 6,685 published ZIP areas70
Climate5688th of 6,789 published ZIP areas60
Physical resilience3600th of 6,709 published ZIP areas55
Access5732nd of 6,791 published ZIP areas74
Economic stability5766th of 6,742 published ZIP areas36
The quick read

Employment conditions sit below most comparable published ZIP profiles: unemployment is 4.9% and the Opportunity signal places 74074 in the bottom 28%.

Rent takes 22% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 4.9 times that income.

A typical July reaches 94°F and a typical January falls to 26°F, on thirty-year normals.

At a glance

Population
32,422
2024 ACS 5-Year
Median household income
$52,998
Bottom 19% nationally
Density
255/sq mi
127.4 sq mi of land
Median age
27.3
2024 ACS 5-Year
City
Stillwater
Oklahoma
Metro area
Stillwater, OK
Nearest major airport
WDG
45 mi · Enid Woodring Rgnl
Median home value
$258,700
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.9% is lower than 31% of the 6,544 measured US ZIP areas.

Employment fell 1.4% over the past year, to 23,794 employed residents.

49% of adults hold a four-year degree, higher than 87% of measured US ZIP areas.

Median household income of $52,998 is below 81% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$7,907$52,998Bottom 19%2024 ACS 5-Year
Per capita income ±$4,425$36,688Top 50%2024 ACS 5-Year
Poverty rate23.5%Top 13%2024 ACS 5-Year
Average commute18.8 minBottom 10%2024 ACS 5-Year
Bachelor's degree or higher49.4%Top 13%2024 ACS 5-Year
Employment23,794Bottom 24%June 2026
Employment change (3 years)1.6%Top 29%June 2026
Employment change (year over year)-1.4%Bottom 37%June 2026
Labor force25,014Bottom 24%June 2026
Labor force participation61.2%Top 48%2024 ACS 5-Year
Unemployment change (year over year)1.1%Top 3%June 2026
Unemployment rate4.9%Top 31%June 2026
Median household income, successive ACS releases
202120222023202453k49k
Each point is a separate five-year estimate, most recently $52,998 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Stillwater, OK, the city containing this ZIP code.

43% of students met the state standard in mathematics and 36% in reading, across the schools here that reported results.

There are 16.2 students for every full-time teacher, more than in most measured places.

Public schools
4
2024-25 school year
Students per teacher
16.2
across all schools here
Math proficiency
42.6%
Top 4% in Oklahoma
Reading proficiency
36.0%
Top 16% in Oklahoma
SchoolDistrictStudentsPer teacherMathReading
STILLWATER MSSTILLWATER93216.6
WESTWOOD ESSTILLWATER62616.957%49%
HIGHLAND PARK ESSTILLWATER50515.322%15%
SANGRE RIDGE ESSTILLWATER49715.545%41%

45.1% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Oklahoma’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $966 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.9 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
21.9%
Below the 30% cost-burdened threshold
Home price to income
4.9×
median home value ÷ median income
Median gross rent
$966
2024 ACS 5-Year
Median home value
$258,700
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income4.88Top 18%2024 ACS 5-Year
Homeownership rate49.0%Bottom 9%2024 ACS 5-Year
Housing units ±62514,661Top 9%2024 ACS 5-Year
Median gross rent ±$49$966Bottom 45%2024 ACS 5-Year
Median home value ±$24,534$258,700Top 40%2024 ACS 5-Year
Rent as a share of income21.9%Top 26%2024 ACS 5-Year
Vacancy rate11.0%Top 50%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
71/ 100
Top 15% of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

At 4.4 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
219
12 months ending July 2026
Per 1,000 residents
4.4
Top 35% nationally
Year over year
+66%
vs the prior twelve months
Multifamily share
21.5%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Stillwater, OK, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 94°F and January a low of 26°F.

Normal annual precipitation is 36.0 inches.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station STILLWATER 2 W, 3.1 miles from this location.
Precipitation
JFMAMJJASOND4.7"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation36.0"1991-2020 Normals
Average January low26°F1991-2020 Normals
Average July high94°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing45°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

55 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, hail and ice storm.

Ice stormElevated
HailHigh
TornadoElevated
WildfireModerate
DroughtModerate
LightningModerate

Low or minimal exposure: cold wave, heat wave, winter weather, strong wind, inland flooding, landslide, earthquake, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Payne County records 5.7 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 24.0 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 12.0 per 100,000 residents in Payne County.

Homicide
5.7
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
24.0
per 100,000 residents · under 10 deaths
Drug overdose
12.0
per 100,000 residents · under 10 deaths
Suicide
20.4
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Payne County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 74074 rather than 74074 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

3 major airports lie within 100 miles, the nearest 45 miles away.

AirportCodeDistanceLongest runway
Enid Woodring RgnlWDG45 mi8,613 ft
OKC Will Rogers IntlOKC56 mi9,802 ft
Tulsa IntlTUL66 mi10,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
61
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

74074 vs Stillwater

How this ZIP area compares with Stillwater as a whole. Both figures come from the same ACS release, so the comparison is like for like.

74074
Stillwater
Median household income
$52,998
vs
$43,700
Per capita income
$36,688
vs
$28,961
Population density
255/sq mi
vs
1,654/sq mi
Median home value
$258,700
vs
$237,200
Median gross rent
$966
vs
$947
Homeownership rate
49.0%
vs
37.1%
Bachelor's degree or higher
49.4%
vs
49.9%
Poverty rate
23.5%
vs
27.4%
Median age
27.3
vs
23.9

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.