73038 ZIP Code — Fort Cobb, OK

Caddo County, Oklahoma

ZIP code 73038 is located in Fort Cobb, Oklahoma, within Caddo County. It covers approximately 134.60 square miles and serves a population of 1,526 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 405.

About ZIP code 73038

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 $96,100. Owner-occupancy is high at 85%, well above the national average.

Median household income is $53,177. Poverty affects 22% of residents, above the national average. SNAP benefit usage at 19% of households reflects economic stress in the area. 41% 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 25 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of diabetes (16%), smoking (24%) compared to national benchmarks. 20% of residents lack health insurance, above the national average.

Overall, ZIP code 73038 reflects a community defined by economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.

1,526

population

134.60

sq mi land

Standard

ZIP type

Central (CT)

timezone

73038 ZIP code map

Cities in ZIP code 73038

Below are the cities the US Postal Service accepts for ZIP code 73038. Using any city not on this list may result in mail delivery delays.

City	Status
Fort Cobb	Preferred

Nearby ZIP codes

73015 Carnegie (6.6 mi) 73042 Gracemont (8.7 mi) 73005 Anadarko (11.4 mi) 73006 Apache (14.2 mi) 73009 Binger (15.5 mi) 73053 Lookeba (18.3 mi) 73029 Cyril (19.1 mi) 73062 Mountain View (19.2 mi) 73017 Cement (19.8 mi)

Demographics updated 05/2026

Population
Total population	1,526
Population density	11 / sq mi
State FIPS	40
County FIPS	015

Geography
Land area	134.60 sq mi
Water area	5.20 sq mi
Latitude	35.1171
Longitude	-98.4335
Timezone	Central (CT)
Area code	405

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.4%	54.0%	46.5%
$50k – $100k	34.7%	29.8%	31.0%
$100k – $200k	14.4%	14.1%	18.1%
Over $200k	2.5%	2.1%	4.5%

Demographics & statistics

1,526

Population

People per sq mi

43.7

Median age

$53,177

Median household income

$28,727

Per capita income

$96,100

Median home value

$719

Median monthly rent

85.0%

Home ownership

21.6%

Poverty rate

2.6%

Unemployment

878

Housing units

22.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

100

25–34

105

35–44

109

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	302	19.8%
18 and over	1,224	80.2%
65 and over	296	19.4%
Median age	43.7 years

Race & ethnicity

White 66.5%

American Indian / Alaska Native 20.8%

Two or more races 7.1%

Black or African American 2.6%

Hispanic or Latino 2.2%

Other race 0.8%

Group	Count	%
White	1,037	66.5%
American Indian / Alaska Native	325	20.8%
Two or more races	111	7.1%
Black or African American	40	2.6%
Hispanic or Latino	34	2.2%
Other race	13	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.4%	54.0%	46.5%
$50k – $100k	34.7%	29.8%	31.0%
$100k – $200k	14.4%	14.1%	18.1%
Over $200k	2.5%	2.1%	4.5%

Under $10k 5.6%

$10k–$15k 6.4%

$15k–$25k 10.0%

$25k–$35k 11.3%

$35k–$50k 12.2%

$50k–$75k 22.5%

$75k–$100k 12.2%

$100k–$150k 13.7%

$150k–$200k 3.4%

$200k+ 2.9%

Range	% of households
Under $10k	5.6%
$10k–$15k	6.4%
$15k–$25k	10.0%
$25k–$35k	11.3%
$35k–$50k	12.2%
$50k–$75k	22.5%
$75k–$100k	12.2%
$100k–$150k	13.7%
$150k–$200k	3.4%
$200k+	2.9%
Median income	$53,177

Housing

Home values

Under $50k 20.7%

$50k–$100k 32.6%

$100k–$150k 12.3%

$150k–$200k 11.7%

$200k–$300k 15.1%

$300k–$500k 7.0%

$500k–$1M 0.6%

Housing overview

Metric	Value
Median home value	$96,100
Median rent / month	$719
Owner occupied	85.0%
Renter occupied	15.0%
Vacant	38.8%
Single-family detached	77.1%
Large apartment buildings	0.0%
Mobile homes	21.2%
Median rooms	5.2
Avg household size (owned)	2.48

Year built

Era	%
2020 or later	0.0%
2010–2019	6.6%
2000–2009	9.2%
1990–1999	8.1%
1980–1989	12.4%
1970–1979	22.5%
1960–1969	18.9%
1950–1959	7.4%
1940–1949	3.3%
1939 or earlier	11.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.4%
1 bedroom	3.9%
2 bedrooms	30.1%
3 bedrooms	56.2%
4 bedrooms	8.1%
5+ bedrooms	1.3%

Vehicles per household

Vehicles	% of households
No vehicle	6.3%
1 vehicle	31.3%
2 vehicles	34.8%
3 or more	27.7%

Heating fuel

Fuel type	%
Utility gas	33.4%
Electricity	48.5%
Propane / LP gas	12.0%
Fuel oil	1.7%
Wood	2.9%

Households & families

Household type	Count	%
Married-couple family	263	44.4%
Cohabiting couple	22	3.7%
Male householder, no spouse	137	23.1%
Female householder, no spouse	170	28.7%
Households with children under 18	158	26.7%
Households with seniors (65+)	225	38.0%
Average household size	2.58

Marital status

Status	Male	Female
Never married	31.6%	17.6%
Married	43.8%	40.3%
Separated	2.3%	3.0%
Widowed	3.9%	16.6%
Divorced	18.5%	22.5%

Education

Less than 9th grade 1.6%

Some HS, no diploma 7.5%

HS graduate 36.5%

Some college, no degree 26.6%

Associate's degree 5.4%

Bachelor's degree 14.6%

Graduate / professional 7.8%

Metric	%
HS diploma or higher	90.9%
Bachelor's or higher	22.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	18	6.3%
Kindergarten	16	5.6%
Elementary school	139	48.4%
High school	79	27.5%
College / grad school	35	12.2%

Employment

Industry of employment

Education & healthcare 23.2%

Retail trade 12.4%

Transportation & utilities 11.8%

Agriculture & mining 10.4%

Construction 7.5%

Public administration 7.2%

Arts, food & hospitality 6.4%

Professional & management 6.1%

Manufacturing 4.9%

Information 3.6%

Finance & real estate 2.4%

Wholesale trade 2.1%

Other services 2.1%

Occupation

Category	%
Management, business & arts	35.9%
Service	15.5%
Sales & office	13.4%
Natural resources & construction	19.5%
Production & transportation	15.6%

Employment type

Type	%
Private sector	65.3%
Government	25.3%
Self-employed	7.6%
Unpaid family workers	1.8%

Commute

Method	%
Drive alone	82.7%
Carpool	12.8%
Public transit	0.0%
Walk	1.2%
Work from home	2.8%
Other means	0.5%
Avg commute (minutes)	24.8

Poverty

All people 21.6%

Under 18 years 25.2%

18 and over 20.8%

Married-couple families 6.8%

Female-led households 51.4%

Income support

Source	% of households
Social Security	41.2%
Retirement income	27.7%
Supplemental Security	5.9%
Cash public assistance	2.7%
Food stamps / SNAP	18.8%

Health indicators

Condition	%
Obesity	41.4%
High blood pressure	45.3%
High cholesterol	39.0%
Diabetes	15.9%
Heart disease	10.1%
Stroke	4.9%
Asthma	11.5%
Arthritis	33.2%
Kidney disease	4.1%
Pulmonary disease	11.7%
Cancer	7.9%

Behavior / access	%
Smoking	24.4%
Binge drinking	11.6%
No physical activity	34.1%
Less than 7 hrs sleep	32.7%
Depression	25.5%
Fair or poor health	23.3%
Poor mental health	17.1%
Poor physical health	16.0%
No health insurance	18.2%
Visited doctor (checkup)	77.9%
Visited dentist	53.8%
Cholesterol screening	89.2%
Teeth loss	22.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	84	6.9%

Disability	%
Any disability	21.6%
Under 18	5.3%
18–64 years	20.2%
65 and over	42.6%

Health insurance coverage

Type	%
Private insurance	54.7%
Public insurance	39.0%
No insurance	19.9%
Uninsured under 19	6.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,453	95.2%
Spanish	6	0.4%
Other Indo-European	6	0.4%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,516	99.3%
Born in same state	1,516	99.3%
Born in different state	1,180	77.3%
Foreign born	0	0.0%
Naturalized citizen	10	0.7%
Not a US citizen	5	50.0%

Ancestry

Ancestry	Count	%
French	193	12.6%
Italian	141	9.2%
Arab	66	4.3%

Ancestry	Count	%
English	13	0.9%
Polish	7	0.5%

Technology access

Metric	% of households
Computer access	38.8%
Internet access	88.5%

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

Frequently asked questions about ZIP code 73038

What city is ZIP code 73038 in?

ZIP code 73038 is primarily assigned to Fort Cobb, Oklahoma.

What county is ZIP code 73038 in?

ZIP code 73038 falls within Caddo County, Oklahoma.

What is the poverty rate in ZIP code 73038?

22% of residents in ZIP code 73038 live below the poverty line, above the national average.

Is ZIP code 73038 mostly owner-occupied?

85% of occupied units in ZIP code 73038 are owner-occupied, well above the national average.

Does ZIP code 73038 have a large retiree population?

41% of households in ZIP code 73038 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 73038?

The median home value in ZIP code 73038 is $96,100.

What timezone is ZIP code 73038 in?

ZIP code 73038 observes the CST timezone.