ZIP Code 74844 — Francis town, OK Demographics & Data

ZIP code 74844 covers Francis, OK in Pontotoc County with a population of about 276.

At a glance, the area shows median age of 33.9 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 74844 is about $42,917 — about 43% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.9%; unemployment rate near 8.6%; 15.4% of adults with a bachelor’s degree or higher (about 18.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Administrative support; a mean commute of about 107.0 minutes (U.S. average near 26.8).

Median home value is about $78,600 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $575 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 67.7% (about 2.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74844 in Francis, OK, a household would need roughly $22,000 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 $505. That sits below the local median household income ($42,917), 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 Francis town, 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 Francis town, OK show little to no average snow.

IRS migration statistics show a net inflow of about 11 for ZIP 74844 (Francis 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.