| ZIP Code | 74346 |
|---|---|
| City | Jay |
| State | Oklahoma (OK) |
| County | Delaware County |
| Area Code | 539/918 |
| Elevation | 975 ft |
| Latitude | 36.439428 |
|---|---|
| Longitude | -94.754142 |
| Timezone | Chicago (DST) |
| FIPS | 40041 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 37.2 yrs ↓ 7% since 2019 |
|---|---|
| Avg Household Size | 2.83 |
| Below Poverty | 24.2% ▲ 142% above avg |
| College Grads | 23.8% ▼ 39% below avg |
| Unemployment | 6.5% ▲ 33% above avg |
| No HS Diploma | 189 (4.1%) |
| HS Graduate | 1,805 (39.3%) |
| Some College | 731 (15.9%) |
| Associates | 777 (16.9%) |
| Bachelors | 329 (7.2%) |
| Graduate Degree | 765 (16.6%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $48,974 ▼ 36% below avg ↑ 29% since 2019 |
|---|---|
| Median Home Value | $124,700 ▼ 55% below avg ↑ 26% since 2019 |
| Home/Income Ratio | 2.5x (nat avg ~3.5x) |
| Median Rent | $792/mo ↑ 31% since 2019 |
| Total Units | 3,745 |
| Vacant Units | 900 |
| Avg HH Size | 2.83 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 3,745 |
|---|---|
| Vacant | 900 |
| Owner Occupied | 70.4% |
| Renter Occupied | 29.6% |
| Avg HH Size | 2.83 |
ZIP code 74346 is located in Jay, Oklahoma, within Delaware County. With a population of 8,244, this is a lightly populated ZIP code with a relatively young community — the median age is 37.2 years. Economically, 74346 is a working-class ZIP code: the median household income of $48,974 is below the national average.
Real estate in ZIP code 74346 represents one of the more affordable housing markets in the country. The median home value of $124,700 is well below the national average. Renters can expect to pay around $792 per month in median rent. Homeownership is strong here — 70.4% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 26% since 2019.
The population of 74346 is majority White (51.83%). Residents are less-educated — 23.8% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 24.2%. Household income has grown by 29% since 2019.
The unemployment rate in 74346 stands at 6.5%, which is above the national average. As in most parts of the country, driving alone is the dominant commute mode at 74%.
Overall, ZIP code 74346 in Jay, OK is characterized as working-class, less-educated, a relatively young community, and predominantly owner-occupied. With 8,244 residents, a median household income of $48,974, and a median home value of $124,700, it offers a clear picture of life in this part of Oklahoma.