ZIP Code 73481 — Ratliff City town, OK Demographics & Data

ZIP code 73481 covers Ratliff City, OK in Carter County with a population of about 924.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area code 580; U.S. House district OK-4; the SHERMAN - ADA media market.

Median household income in ZIP 73481 is about $50,156 — about 33% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.4%; unemployment rate near 2.5%; 11.0% of adults with a bachelor’s degree or higher (about 22.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Mining, and Professional services; about 3.7% of workers reporting work-from-home (about 11.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $70,400 — about 80% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $481 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 94.1% (about 28.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 73481 in Ratliff City, OK, a household would need roughly $19,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $452. That sits below the local median household income ($50,156), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Ratliff City town, OK as Relatively Low (composite score 74.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (88.4) and flood (63.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Ratliff City town, OK show little to no average snow.

IRS migration statistics show a net inflow of about 37 for ZIP 73481 (Ratliff City town, OK) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.