ZIP Code 74428 — Council Hill town, OK Demographics & Data

ZIP code 74428 covers Council Hill, OK in McIntosh County with a population of about 730.

At a glance, the area shows median age of 48.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 539, 918; U.S. House district OK-2; the TULSA media market.

Median household income in ZIP 74428 is about $54,750 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.1%; unemployment rate near 4.7%; 28.7% of adults with a bachelor’s degree or higher (about 5.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Construction; about 13.4% of workers reporting work-from-home (about 1.8 points below the U.S. share (15.2%)); a mean commute of about 175.0 minutes (U.S. average near 26.8).

Median home value is about $102,100 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 84.9% (about 19.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74428 in Council Hill, OK, a household would need roughly $28,000 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 $656. That sits below the local median household income ($54,750), 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 Council Hill town, OK as Relatively Low (composite score 65.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (90.7) and flood (59.8). 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 Council Hill town, OK show little to no average snow and around 43.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 29 for ZIP 74428 (Council Hill 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.