74432 ZIP Code — Eufaula, OK

Mcintosh County, Oklahoma

ZIP code 74432 is located in Eufaula, Oklahoma, within Mcintosh County. It covers approximately 209.41 square miles and serves a population of 9,977 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 918.

About ZIP code 74432

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $152,600. Owner-occupancy is high at 80%, well above the national average.

Median household income is $46,069. Poverty affects 21% of residents, above the national average. SNAP benefit usage at 19% of households reflects economic stress in the area. 54% 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 27 minutes is near the national average.

College attainment at 14% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of diabetes (17%), smoking (25%) compared to national benchmarks. 23% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%; and disability rates above the national average at 26%.

Overall, ZIP code 74432 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

9,977

population

209.41

sq mi land

Standard

ZIP type

Central (CT)

timezone

74432 ZIP code map

Cities in ZIP code 74432

Below are the cities the US Postal Service accepts for ZIP code 74432. Using any city not on this list may result in mail delivery delays.

City	Status
Eufaula	Acceptable
Eufaula	Preferred

Nearby ZIP codes

74425 Canadian (7.3 mi) 74426 Checotah (9.3 mi) 74561 Quinton (11.5 mi) 74442 Indianola (12.2 mi) 74845 Hanna (14 mi) 74428 Council Hill (19 mi)

Demographics updated 05/2026

Population
Total population	9,977
Population density	48 / sq mi
State FIPS	40
County FIPS	091

Geography
Land area	209.41 sq mi
Water area	63.34 sq mi
Latitude	35.2801
Longitude	-95.6347
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	50.9%	56.2%	46.5%
$50k – $100k	36.1%	30.9%	31.0%
$100k – $200k	11.3%	10.9%	18.1%
Over $200k	1.7%	1.9%	4.5%

Demographics & statistics

9,977

Population

People per sq mi

50.6

Median age

$46,069

Median household income

$25,183

Per capita income

$152,600

Median home value

$718

Median monthly rent

79.7%

Home ownership

20.7%

Poverty rate

3.7%

Unemployment

5,806

Housing units

14.3%

Bachelor's or higher

Age distribution

Male Female

191

Under 5

201

258

5–9

271

269

10–14

282

287

15–19

302

234

20–24

246

396

25–34

417

463

35–44

487

591

45–54

621

356

55–59

374

378

60–64

398

893

65–74

938

378

75–84

398

170

85+

178

← Male

Female →

Age summary

Group	Count	%
Under 18	1,899	19.0%
18 and over	8,078	81.0%
65 and over	2,955	29.6%
Median age	50.6 years

Race & ethnicity

White 77.1%

American Indian / Alaska Native 11.7%

Two or more races 8.7%

Black or African American 1.7%

Hispanic or Latino 0.4%

Asian 0.2%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	7,720	77.1%
American Indian / Alaska Native	1,176	11.7%
Two or more races	872	8.7%
Black or African American	168	1.7%
Hispanic or Latino	41	0.4%
Asian	23	0.2%
Native Hawaiian / Pacific Islander	18	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	50.9%	56.2%	46.5%
$50k – $100k	36.1%	30.9%	31.0%
$100k – $200k	11.3%	10.9%	18.1%
Over $200k	1.7%	1.9%	4.5%

Under $10k 8.0%

$10k–$15k 7.0%

$15k–$25k 13.3%

$25k–$35k 11.8%

$35k–$50k 13.3%

$50k–$75k 20.9%

$75k–$100k 11.1%

$100k–$150k 9.5%

$150k–$200k 3.2%

$200k+ 1.8%

Range	% of households
Under $10k	8.0%
$10k–$15k	7.0%
$15k–$25k	13.3%
$25k–$35k	11.8%
$35k–$50k	13.3%
$50k–$75k	20.9%
$75k–$100k	11.1%
$100k–$150k	9.5%
$150k–$200k	3.2%
$200k+	1.8%
Median income	$46,069

Housing

Home values

Under $50k 10.4%

$50k–$100k 18.8%

$100k–$150k 19.5%

$150k–$200k 21.3%

$200k–$300k 15.9%

$300k–$500k 10.5%

$500k–$1M 3.2%

$1M+ 0.3%

Housing overview

Metric	Value
Median home value	$152,600
Median rent / month	$718
Owner occupied	79.7%
Renter occupied	20.3%
Vacant	38.9%
Single-family detached	68.7%
Large apartment buildings	0.1%
Mobile homes	25.2%
Median rooms	5.0
Avg household size (owned)	2.44

Year built

Era	%
2020 or later	0.5%
2010–2019	8.8%
2000–2009	14.3%
1990–1999	12.6%
1980–1989	19.1%
1970–1979	24.0%
1960–1969	9.4%
1950–1959	4.9%
1940–1949	1.9%
1939 or earlier	4.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.3%
1 bedroom	5.4%
2 bedrooms	27.7%
3 bedrooms	52.4%
4 bedrooms	9.9%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	32.4%
2 vehicles	39.1%
3 or more	24.4%

Heating fuel

Fuel type	%
Utility gas	19.4%
Electricity	56.4%
Propane / LP gas	17.4%
Wood	1.7%

Households & families

Household type	Count	%
Married-couple family	1,970	48.7%
Cohabiting couple	277	6.8%
Male householder, no spouse	709	17.5%
Female householder, no spouse	1,090	26.9%
Households with children under 18	844	20.9%
Households with seniors (65+)	2,036	50.3%
Average household size	2.41

Marital status

Status	Male	Female
Never married	29.2%	22.4%
Married	53.1%	44.1%
Separated	1.9%	1.9%
Widowed	4.5%	15.9%
Divorced	11.2%	15.8%

Education

Less than 9th grade 4.3%

Some HS, no diploma 9.3%

HS graduate 41.7%

Some college, no degree 23.4%

Associate's degree 7.0%

Bachelor's degree 8.6%

Graduate / professional 5.7%

Metric	%
HS diploma or higher	86.4%
Bachelor's or higher	14.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	89	4.9%
Kindergarten	153	8.3%
Elementary school	941	51.3%
High school	437	23.8%
College / grad school	214	11.7%

Employment

Industry of employment

Education & healthcare 23.3%

Construction 13.4%

Retail trade 13.1%

Finance & real estate 7.9%

Transportation & utilities 7.1%

Professional & management 7.0%

Arts, food & hospitality 6.2%

Other services 6.0%

Public administration 5.7%

Manufacturing 5.4%

Wholesale trade 2.5%

Agriculture & mining 1.9%

Information 0.6%

Occupation

Category	%
Management, business & arts	31.3%
Service	18.8%
Sales & office	16.0%
Natural resources & construction	16.2%
Production & transportation	17.8%

Employment type

Type	%
Private sector	69.5%
Government	20.5%
Self-employed	10.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	73.4%
Carpool	7.9%
Public transit	0.3%
Walk	1.1%
Work from home	15.6%
Other means	1.7%
Avg commute (minutes)	27.0

Poverty

All people 20.7%

Under 18 years 23.9%

18 and over 20.0%

Married-couple families 9.5%

Female-led households 39.6%

Income support

Source	% of households
Social Security	54.0%
Retirement income	29.6%
Supplemental Security	7.8%
Cash public assistance	2.3%
Food stamps / SNAP	18.5%

Health indicators

Condition	%
Obesity	38.7%
High blood pressure	48.3%
High cholesterol	42.5%
Diabetes	16.8%
Heart disease	11.1%
Stroke	5.4%
Asthma	11.6%
Arthritis	35.7%
Kidney disease	4.5%
Pulmonary disease	12.6%
Cancer	8.8%

Behavior / access	%
Smoking	24.6%
Binge drinking	10.8%
No physical activity	35.3%
Less than 7 hrs sleep	34.8%
Depression	25.5%
Fair or poor health	24.3%
Poor mental health	16.7%
Poor physical health	16.5%
No health insurance	17.5%
Visited doctor (checkup)	78.6%
Visited dentist	54.3%
Cholesterol screening	90.2%
Teeth loss	22.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	930	11.5%

Disability	%
Any disability	26.3%
Under 18	2.8%
18–64 years	22.6%
65 and over	48.5%

Health insurance coverage

Type	%
Private insurance	45.7%
Public insurance	50.9%
No insurance	23.3%
Uninsured under 19	14.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,585	96.1%
Spanish	41	0.4%
Other Indo-European	29	0.3%
Asian & Pacific Islander	10	0.1%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,934	99.6%
Born in same state	9,881	99.0%
Born in different state	6,651	66.7%
Foreign born	53	0.5%
Naturalized citizen	43	0.4%
Not a US citizen	13	30.2%

Ancestry

Ancestry	Count	%
Italian	1,328	13.3%
French	954	9.6%
Arab	449	4.5%

Ancestry	Count	%
English	64	0.6%
Polish	24	0.2%
German	9	0.1%

Technology access

Metric	% of households
Computer access	40.6%
Internet access	88.7%

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

Frequently asked questions about ZIP code 74432

What city is ZIP code 74432 in?

ZIP code 74432 is primarily assigned to Eufaula, Oklahoma.

What county is ZIP code 74432 in?

ZIP code 74432 falls within Mcintosh County, Oklahoma.

Does ZIP code 74432 have an older population?

30% of residents in ZIP code 74432 are 65 or older, above the national average of ~17%.

Does ZIP code 74432 have a large retiree population?

54% of households in ZIP code 74432 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 74432?

21% of residents in ZIP code 74432 live below the poverty line, above the national average.

How educated is the population of ZIP code 74432?

14% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What timezone is ZIP code 74432 in?

ZIP code 74432 observes the CST timezone.