ZIP Code 74023 — Cushing city, OK Demographics & Data

ZIP code 74023 covers Cushing, OK in Payne County with a population of about 12,097.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 539, 918; U.S. House district OK-3; the OKLAHOMA CITY media market.

Median household income in ZIP 74023 is about $48,859 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.0%; unemployment rate near 4.7%; 16.2% of adults with a bachelor’s degree or higher (about 17.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 5.2% of workers reporting work-from-home (about 10.0 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 $134,700 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $569 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 61.4% (about 4.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74023 in Cushing, 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 $865. That sits below the local median household income ($48,859), 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 Cushing city, OK as Relatively Moderate (composite score 83.9), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (89.6) and flood (67.6). 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 Cushing city, OK show little to no average snow and around 38.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 485 for ZIP 74023 (Cushing city, 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.