ZIP Code 74078 — Stillwater city, OK Demographics & Data

ZIP code 74078 covers Stillwater, OK in Payne County with a population of about 441.

At a glance, the area shows median age of 18.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 405, 572; U.S. House district OK-3; the OKLAHOMA CITY media market.

Stillwater, OK sits in a university / college context (near oklahoma state university-main campus (0.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

On socioeconomic markers, US5 shows a unemployment rate near 0.0%; 100.0% of adults with a bachelor’s degree or higher (about 66.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Food services, and Retail trade; about 33.9% of workers reporting work-from-home (about 18.7 points above the U.S. share (15.2%)); a mean commute of about 39.0 minutes (U.S. average near 26.8).

FEMA’s National Risk Index rates natural-hazard risk for Stillwater 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 Stillwater city, OK show little to no average snow and around 36.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 74078 (Stillwater 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.