ZIP Code 74085 — Yale city, OK Demographics & Data

ZIP code 74085 covers Yale, OK in Payne County with a population of about 2,391.

At a glance, the area shows median age of 46.4 versus a U.S. median of about 38.9.

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

Median household income in ZIP 74085 is about $41,111 — about 45% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.4%; unemployment rate near 4.8%; 11.8% of adults with a bachelor’s degree or higher (about 21.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Manufacturing; about 4.5% of workers reporting work-from-home (about 10.7 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 $172,600 — about 50% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $479 (about 59% below the U.S. median rent ($1,163)), and owner-occupancy near 76.4% (about 11.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74085 in Yale, OK, a household would need roughly $48,000 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 $1,109. That is about 17% above the local median household income ($41,111), so the median earner would likely stretch or need a larger down payment. 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 Yale 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 Yale 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 96 for ZIP 74085 (Yale 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.