74020 ZIP Code — Cleveland, OK

Pawnee County, Oklahoma

ZIP code 74020 is located in Cleveland, Oklahoma, within Pawnee County. It covers approximately 67.70 square miles and serves a population of 7,499 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 918.

About ZIP code 74020

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $120,500. Owner-occupancy sits near the national average at 74%.

Median household income is $59,433. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 30 minutes is near the national average.

College attainment at 16% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks.

Overall, ZIP code 74020 reflects a community defined by a trades-oriented workforce and a significant Social Security-dependent population.

7,499

population

67.70

sq mi land

Standard

ZIP type

Central (CT)

timezone

74020 ZIP code map

Cities in ZIP code 74020

Below are the cities the US Postal Service accepts for ZIP code 74020. Using any city not on this list may result in mail delivery delays.

City	Status
Cleveland	Acceptable
Cleveland	Preferred

Nearby ZIP codes

74081 Terlton (4.4 mi) 74054 Osage (4.7 mi) 74038 Jennings (8.4 mi) 74035 Hominy (10.1 mi) 74044 Mannford (12.3 mi) 74045 Maramec (13.1 mi) 74060 Prue (14.6 mi) 74063 Sand Springs (14.9 mi) 74085 Yale (18.9 mi) 74058 Pawnee (19.3 mi) 74084 Wynona (19.5 mi)

Demographics updated 05/2026

Population
Total population	7,499
Population density	111 / sq mi
State FIPS	40
County FIPS	117

Geography
Land area	67.70 sq mi
Water area	12.99 sq mi
Latitude	36.2481
Longitude	-96.4447
Timezone	Central (CT)
Area code	918

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.1%	49.2%	46.5%
$50k – $100k	36.4%	34.2%	31.0%
$100k – $200k	15.5%	14.0%	18.1%
Over $200k	2.0%	2.6%	4.5%

Demographics & statistics

7,499

Population

111

People per sq mi

41.5

Median age

$59,433

Median household income

$28,562

Per capita income

$120,500

Median home value

$853

Median monthly rent

74.4%

Home ownership

16.8%

Poverty rate

3.7%

Unemployment

2,779

Housing units

16.1%

Bachelor's or higher

Age distribution

Male Female

252

Under 5

234

214

5–9

200

280

10–14

261

204

15–19

191

216

20–24

202

443

25–34

412

464

35–44

433

526

45–54

490

253

55–59

235

267

60–64

248

457

65–74

425

251

75–84

233

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,691	22.5%
18 and over	5,808	77.5%
65 and over	1,474	19.7%
Median age	41.5 years

Race & ethnicity

White 75.1%

Two or more races 11.7%

American Indian / Alaska Native 7.1%

Hispanic or Latino 3.4%

Other race 1.9%

Black or African American 0.5%

Asian 0.3%

Group	Count	%
White	5,831	75.1%
Two or more races	910	11.7%
American Indian / Alaska Native	553	7.1%
Hispanic or Latino	261	3.4%
Other race	145	1.9%
Black or African American	40	0.5%
Asian	20	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.1%	49.2%	46.5%
$50k – $100k	36.4%	34.2%	31.0%
$100k – $200k	15.5%	14.0%	18.1%
Over $200k	2.0%	2.6%	4.5%

Under $10k 5.3%

$10k–$15k 5.4%

$15k–$25k 8.8%

$25k–$35k 7.5%

$35k–$50k 14.8%

$50k–$75k 20.7%

$75k–$100k 13.8%

$100k–$150k 14.3%

$150k–$200k 5.1%

$200k+ 4.3%

Range	% of households
Under $10k	5.3%
$10k–$15k	5.4%
$15k–$25k	8.8%
$25k–$35k	7.5%
$35k–$50k	14.8%
$50k–$75k	20.7%
$75k–$100k	13.8%
$100k–$150k	14.3%
$150k–$200k	5.1%
$200k+	4.3%
Median income	$59,433

Housing

Home values

Under $50k 15.1%

$50k–$100k 24.3%

$100k–$150k 20.8%

$150k–$200k 13.4%

$200k–$300k 14.4%

$300k–$500k 8.4%

$500k–$1M 3.5%

Housing overview

Metric	Value
Median home value	$120,500
Median rent / month	$853
Owner occupied	74.4%
Renter occupied	25.6%
Vacant	17.2%
Single-family detached	71.5%
Large apartment buildings	1.8%
Mobile homes	21.4%
Median rooms	5.3
Avg household size (owned)	2.51

Year built

Era	%
2020 or later	0.3%
2010–2019	3.8%
2000–2009	10.8%
1990–1999	8.0%
1980–1989	12.7%
1970–1979	26.6%
1960–1969	13.3%
1950–1959	7.3%
1940–1949	5.4%
1939 or earlier	11.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	7.9%
2 bedrooms	27.8%
3 bedrooms	51.7%
4 bedrooms	10.2%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.5%
1 vehicle	24.6%
2 vehicles	43.0%
3 or more	29.8%

Heating fuel

Fuel type	%
Utility gas	48.4%
Electricity	39.7%
Propane / LP gas	8.6%
Wood	3.0%

Households & families

Household type	Count	%
Married-couple family	1,697	58.1%
Cohabiting couple	169	5.8%
Male householder, no spouse	433	14.8%
Female householder, no spouse	620	21.2%
Households with children under 18	932	31.9%
Households with seniors (65+)	1,004	34.4%
Average household size	2.53

Marital status

Status	Male	Female
Never married	23.0%	20.4%
Married	59.8%	58.9%
Separated	1.0%	1.5%
Widowed	5.5%	8.8%
Divorced	10.7%	10.4%

Education

Less than 9th grade 3.6%

Some HS, no diploma 7.9%

HS graduate 41.0%

Some college, no degree 22.2%

Associate's degree 9.3%

Bachelor's degree 12.3%

Graduate / professional 3.8%

Metric	%
HS diploma or higher	88.5%
Bachelor's or higher	16.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	100	7.4%
Kindergarten	49	3.6%
Elementary school	728	53.7%
High school	314	23.2%
College / grad school	164	12.1%

Employment

Industry of employment

Education & healthcare 22.8%

Manufacturing 12.3%

Retail trade 11.9%

Construction 9.4%

Transportation & utilities 7.5%

Arts, food & hospitality 6.8%

Professional & management 6.0%

Finance & real estate 5.4%

Other services 5.4%

Agriculture & mining 5.1%

Public administration 4.7%

Wholesale trade 1.6%

Information 1.1%

Occupation

Category	%
Management, business & arts	28.8%
Service	15.3%
Sales & office	21.3%
Natural resources & construction	15.6%
Production & transportation	19.1%

Employment type

Type	%
Private sector	77.8%
Government	15.3%
Self-employed	6.8%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	85.1%
Carpool	7.6%
Public transit	0.0%
Walk	2.2%
Work from home	4.0%
Other means	1.1%
Avg commute (minutes)	29.7

Poverty

All people 16.8%

Under 18 years 23.2%

18 and over 15.0%

Married-couple families 7.2%

Female-led households 34.0%

Income support

Source	% of households
Social Security	36.8%
Retirement income	20.9%
Supplemental Security	6.1%
Cash public assistance	4.3%
Food stamps / SNAP	12.4%

Health indicators

Condition	%
Obesity	38.6%
High blood pressure	41.9%
High cholesterol	38.8%
Diabetes	12.6%
Heart disease	8.6%
Stroke	4.0%
Asthma	11.1%
Arthritis	29.3%
Kidney disease	3.5%
Pulmonary disease	10.0%
Cancer	7.5%

Behavior / access	%
Smoking	22.1%
Binge drinking	13.2%
No physical activity	31.1%
Less than 7 hrs sleep	33.2%
Depression	25.1%
Fair or poor health	19.5%
Poor mental health	16.7%
Poor physical health	13.7%
No health insurance	17.1%
Visited doctor (checkup)	76.5%
Visited dentist	55.2%
Cholesterol screening	88.8%
Teeth loss	18.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	520	9.0%

Disability	%
Any disability	17.7%
Under 18	7.4%
18–64 years	16.0%
65 and over	35.0%

Health insurance coverage

Type	%
Private insurance	59.2%
Public insurance	41.2%
No insurance	13.1%
Uninsured under 19	13.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,013	93.5%
Spanish	57	0.8%
Other Indo-European	44	0.6%
Asian & Pacific Islander	0	0.0%
Other languages	13	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,427	99.0%
Born in same state	7,358	98.1%
Born in different state	5,564	74.2%
Foreign born	69	0.9%
Naturalized citizen	72	1.0%
Not a US citizen	34	47.2%

Ancestry

Ancestry	Count	%
French	824	11%
Italian	732	9.8%
Arab	358	4.8%
English	106	1.4%

Ancestry	Count	%
Polish	83	1.1%
German	14	0.2%
Dutch	14	0.2%

Technology access

Metric	% of households
Computer access	38.9%
Internet access	94.3%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 74020

What city is ZIP code 74020 in?

ZIP code 74020 is primarily assigned to Cleveland, Oklahoma.

What county is ZIP code 74020 in?

ZIP code 74020 falls within Pawnee County, Oklahoma.

What is the poverty rate in ZIP code 74020?

17% of residents in ZIP code 74020 live below the poverty line, above the national average.

Does ZIP code 74020 have a large retiree population?

37% of households in ZIP code 74020 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 74020?

The median home value in ZIP code 74020 is $120,500.

What is the population of ZIP code 74020?

ZIP code 74020 has an estimated population of 7,499 residents, with a density of 111 people per square mile.

What timezone is ZIP code 74020 in?

ZIP code 74020 observes the CST timezone.