ZIP Code 74540 — undefined, OK Demographics & Data

ZIP code 74540 covers OK in Atoka County with a population of about 136.

At a glance, the area shows median age of 60.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 539, 580, 918; U.S. House district OK-2; the SHERMAN - ADA media market.

OK fits a retirement-oriented profile (high share of residents 65+ (41.9%)). 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 74540 is about $28,929 — about 62% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 30.9%; unemployment rate near 0.0%; 13.6% of adults with a bachelor’s degree or higher (about 20.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Arts and entertainment; about 17.9% of workers reporting work-from-home (about 2.8 points above the U.S. share (15.2%)); a mean commute of about 32.0 minutes (U.S. average near 26.8).

Median home value is about $109,400 — about 69% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 82.3% (about 16.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74540 in OK, a household would need roughly $30,000 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 $703. That is roughly in line with the local median household income ($28,929). 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 OK as Very Low (composite score 30.4), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (84.4) and hurricane (35.8). 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 OK show little to no average snow and around 46.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 5 for ZIP 74540 (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.