ZIP Code 73646 — Fay CDP, OK Demographics & Data

ZIP code 73646 covers Fay, OK in Blaine County with a population of about 226.

At a glance, the area shows median age of 57.3 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.

Fay, OK fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 73646 is about $131,964 — about 76% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.9%; unemployment rate near 4.0%; 4.6% of adults with a bachelor’s degree or higher (about 29.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Mining, Construction, and Manufacturing; a mean commute of about 119.0 minutes (U.S. average near 26.8).

Median home value is about $132,700 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.7% (about 27.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 73646 in Fay, OK, a household would need roughly $37,000 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 $852. That sits below the local median household income ($131,964), 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 Fay CDP, OK as Very Low (composite score 32.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (63.1) and hurricane (21.9). 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 Fay CDP, OK show little to no average snow and around 32.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 73646 (Fay CDP, 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.