| ZIP Code | 74081 |
|---|---|
| City | Terlton |
| State | Oklahoma (OK) |
| County | Pawnee County |
| Area Code | 918 |
| Elevation | 863 ft |
| Latitude | 36.181667 |
|---|---|
| Longitude | -96.460082 |
| Timezone | Chicago (DST) |
| FIPS | 40117 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.2 yrs ↓ 10% since 2019 |
|---|---|
| Avg Household Size | 3.06 |
| Below Poverty | 11.4% ▲ 14% above avg |
| College Grads | 23.4% ▼ 40% below avg |
| Unemployment | 4.1% ▼ 17% below avg |
| HS Graduate | 534 (45.5%) |
| Some College | 191 (16.3%) |
| Associates | 174 (14.8%) |
| Bachelors | 77 (6.6%) |
| Graduate Degree | 198 (16.9%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $50,650 ▼ 34% below avg ↑ 7% since 2019 |
|---|---|
| Median Home Value | $116,200 ▼ 58% below avg ↑ 35% since 2019 |
| Home/Income Ratio | 2.3x (nat avg ~3.5x) |
| Total Units | 757 |
| Vacant Units | 100 |
| Avg HH Size | 3.06 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 757 |
|---|---|
| Vacant | 100 |
| Owner Occupied | 90.3% |
| Renter Occupied | 9.7% |
| Avg HH Size | 3.06 |
ZIP code 74081 is located in Terlton, Oklahoma, within Pawnee County. With a population of 2,008, this is a sparsely populated ZIP code with a middle-aged community — the median age is 41.2 years. Economically, 74081 is a working-class ZIP code: the median household income of $50,650 is below the national average.
Real estate in ZIP code 74081 represents one of the more affordable housing markets in the country. The median home value of $116,200 is well below the national average. Homeownership is strong here — 90.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 35% since 2019.
The population of 74081 is primarily White (87.30%). Residents are less-educated — 23.4% hold a bachelor's degree or higher, which is below the national average. Poverty affects some residents at 11.4%. Household income has grown by 7% since 2019.
The unemployment rate in 74081 stands at 4.1%, which is below the national average. About 12% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 81%.
Overall, ZIP code 74081 in Terlton, OK is characterized as working-class, less-educated, a middle-aged community, and predominantly owner-occupied. With 2,008 residents, a median household income of $50,650, and a median home value of $116,200, it offers a clear picture of life in this part of Oklahoma.