ZIP code 74640

ZIP 74640 is a very small community in Garfield County, Oklahoma, with 240 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #574 of 664 ranked by population — larger than 13% of them. The median age here is 55.1 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 74640 earn a median of $66,875 a year, 14.9% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 21.3% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 74640 is valued at $90,000, 70.3% below the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 1.3×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 93.1% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 55.1 puts ZIP 74640 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 240 residents, a handful of survey responses moves every median on this page. Compare ZIP 74640 against its county rather than against national figures.

The Census withheld gross rent for ZIP 74640 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 74640 is tabulated inside Garfield County, Oklahoma, one of 16 ZIP areas the Census publishes for that county and 664 across Oklahoma. This is one of the smallest tabulated ZIP areas in the state, the kind of rural route where a single subdivision or farm cluster accounts for most addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 74640 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 74640 reports a median household income of $66,875, 18% below the $81,779 county median, and 16% above the $57,827 typical OK ZIP. Owner-occupied homes are valued at a median of $90,000, 34% below the county figure and 30% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Oklahoma charges 4.5% statewide, and local governments overlapping 74640 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 74640 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.