ZIP Code 74576 — Wardville CDP, OK Demographics & Data

ZIP code 74576 covers Wardville, OK in Atoka County with a population of about 195.

At a glance, the area shows median age of 50.7 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 74576 is about $80,771 — about 7% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 1.5%; unemployment rate near 0.0%; 53.4% of adults with a bachelor’s degree or higher (about 19.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Agriculture, and Healthcare; about 26.7% of workers reporting work-from-home (about 11.5 points above the U.S. share (15.2%)); a mean commute of about 44.0 minutes (U.S. average near 26.8).

Median home value is about $268,800 — about 23% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.9% (about 27.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74576 in Wardville, OK, a household would need roughly $74,000 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 $1,727. That is roughly in line with the local median household income ($80,771). 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 Wardville CDP, 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 Wardville CDP, OK show little to no average snow and around 45.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 74576 (Wardville CDP, 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.