ZIP Code 74820 — Ada city, OK Demographics & Data

ZIP code 74820 covers Ada, OK in Pontotoc County with a population of about 31,679.

At a glance, the area shows median age of 36.7 versus a U.S. median of about 38.9.

It sits in telephone area code 580; U.S. House district OK-4; the SHERMAN - ADA media market.

Median household income in ZIP 74820 is about $62,359 — about 17% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.9%; unemployment rate near 3.5%; 30.6% of adults with a bachelor’s degree or higher (about 3.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Education; about 3.8% of workers reporting work-from-home (about 11.4 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 $177,600 — about 49% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $669 (about 42% below the U.S. median rent ($1,163)), and owner-occupancy near 63.3% (about 2.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74820 in Ada, OK, a household would need roughly $49,000 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 $1,141. That sits below the local median household income ($62,359), 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 Ada city, OK as Relatively Low (composite score 62.9), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (90.2) and flood (45.6). 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 Ada city, OK show little to no average snow and around 41.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,270 for ZIP 74820 (Ada 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.