ZIP Code 73627 — Carter town, OK Demographics & Data

ZIP code 73627 covers Carter, OK in Beckham County with a population of about 495.

At a glance, the area shows median age of 41.6 versus a U.S. median of about 38.9.

It sits in telephone area code 580; U.S. House district OK-3; the OKLAHOMA CITY media market.

Median household income in ZIP 73627 is about $95,000 — about 26% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.7%; unemployment rate near 0.5%; 17.1% of adults with a bachelor’s degree or higher (about 16.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Mining, Agriculture, and Healthcare; about 2.0% of workers reporting work-from-home (about 13.2 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 $119,600 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $658 (about 43% below the U.S. median rent ($1,163)), and owner-occupancy near 84.4% (about 19.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 73627 in Carter, OK, a household would need roughly $33,000 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 $768. That sits below the local median household income ($95,000), 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 Carter town, OK as Relatively Low (composite score 57.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (90.7) and flood (31.8). 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 Carter town, OK show little to no average snow and around 29.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 73627 (Carter 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.