74346 ZIP Code — Jay, OK

Delaware County, Oklahoma

ZIP code 74346 is located in Jay, Oklahoma, within Delaware County. It covers approximately 227.18 square miles and serves a population of 7,895 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 918/539.

About ZIP code 74346

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 $116,900. Owner-occupancy sits near the national average at 70%.

Median household income is $46,636. Poverty affects 24% of residents, above the national average. SNAP benefit usage at 21% of households reflects economic stress in the area. 42% 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 29 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 (16%), smoking (29%) compared to national benchmarks. 20% of residents lack health insurance, above the national average.

Notable community characteristics include disability rates above the national average at 22%.

Overall, ZIP code 74346 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

7,895

population

227.18

sq mi land

Standard

ZIP type

Central (CT)

timezone

74346 ZIP code map

Cities in ZIP code 74346

Below are the cities the US Postal Service accepts for ZIP code 74346. Using any city not on this list may result in mail delivery delays.

City	Status
Jay	Preferred

Nearby ZIP codes

74342 Eucha (7.5 mi) 74344 Grove (9 mi) 72747 Maysville (11.8 mi) 74366 Spavinaw (13.3 mi) 64863 South West City (13.4 mi) 74338 Colcord (13.6 mi) 74331 Afton (15 mi) 72768 Sulphur Springs (16 mi) 74347 Kansas (16.2 mi) 72736 Gravette (16.9 mi) 74367 Strang (17.4 mi) 74368 Twin Oaks (17.9 mi)

Demographics updated 05/2026

Population
Total population	7,895
Population density	35 / sq mi
State FIPS	40
County FIPS	041

Geography
Land area	227.18 sq mi
Water area	7.75 sq mi
Latitude	36.4439
Longitude	-94.7735
Timezone	Central (CT)
Area code	918/539

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.0%	57.8%	46.5%
$50k – $100k	25.8%	27.0%	31.0%
$100k – $200k	12.5%	13.3%	18.1%
Over $200k	0.7%	1.9%	4.5%

Demographics & statistics

7,895

Population

People per sq mi

39.7

Median age

$46,636

Median household income

$43,720

Per capita income

$116,900

Median home value

$700

Median monthly rent

69.5%

Home ownership

23.5%

Poverty rate

7.5%

Unemployment

2,899

Housing units

13.6%

Bachelor's or higher

Age distribution

Male Female

270

Under 5

249

237

5–9

219

271

10–14

250

268

15–19

247

198

20–24

183

552

25–34

511

505

35–44

466

410

45–54

379

305

55–59

282

337

60–64

312

472

65–74

437

232

75–84

214

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,834	23.2%
18 and over	6,061	76.8%
65 and over	1,444	18.3%
Median age	39.7 years

Race & ethnicity

White 51.9%

American Indian / Alaska Native 27%

Two or more races 15.7%

Asian 2.3%

Hispanic or Latino 1.9%

Other race 1.1%

Black or African American 0.1%

Group	Count	%
White	4,178	51.9%
American Indian / Alaska Native	2,170	27%
Two or more races	1,266	15.7%
Asian	189	2.3%
Hispanic or Latino	156	1.9%
Other race	85	1.1%
Black or African American	6	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	61.0%	57.8%	46.5%
$50k – $100k	25.8%	27.0%	31.0%
$100k – $200k	12.5%	13.3%	18.1%
Over $200k	0.7%	1.9%	4.5%

Under $10k 8.1%

$10k–$15k 12.2%

$15k–$25k 12.3%

$25k–$35k 8.1%

$35k–$50k 11.6%

$50k–$75k 20.0%

$75k–$100k 10.5%

$100k–$150k 12.9%

$150k–$200k 1.3%

$200k+ 2.9%

Range	% of households
Under $10k	8.1%
$10k–$15k	12.2%
$15k–$25k	12.3%
$25k–$35k	8.1%
$35k–$50k	11.6%
$50k–$75k	20.0%
$75k–$100k	10.5%
$100k–$150k	12.9%
$150k–$200k	1.3%
$200k+	2.9%
Median income	$46,636

Housing

Home values

Under $50k 24.5%

$50k–$100k 19.9%

$100k–$150k 13.7%

$150k–$200k 11.0%

$200k–$300k 8.9%

$300k–$500k 10.3%

$500k–$1M 6.5%

$1M+ 5.3%

Housing overview

Metric	Value
Median home value	$116,900
Median rent / month	$700
Owner occupied	69.5%
Renter occupied	30.5%
Vacant	25.2%
Single-family detached	70.3%
Large apartment buildings	1.0%
Mobile homes	23.0%
Median rooms	5.0
Avg household size (owned)	2.83

Year built

Era	%
2020 or later	0.4%
2010–2019	6.8%
2000–2009	13.0%
1990–1999	16.8%
1980–1989	15.2%
1970–1979	21.5%
1960–1969	9.1%
1950–1959	8.0%
1940–1949	3.5%
1939 or earlier	5.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	11.4%
2 bedrooms	28.7%
3 bedrooms	46.5%
4 bedrooms	9.9%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	7.6%
1 vehicle	28.7%
2 vehicles	30.2%
3 or more	33.5%

Heating fuel

Fuel type	%
Utility gas	17.8%
Electricity	47.2%
Propane / LP gas	22.8%
Wood	10.9%

Households & families

Household type	Count	%
Married-couple family	1,475	52.5%
Cohabiting couple	132	4.7%
Male householder, no spouse	476	16.9%
Female householder, no spouse	726	25.8%
Households with children under 18	866	30.8%
Households with seniors (65+)	1,042	37.1%
Average household size	2.76

Marital status

Status	Male	Female
Never married	26.0%	16.4%
Married	53.9%	55.3%
Separated	5.1%	2.2%
Widowed	3.4%	12.3%
Divorced	11.7%	13.7%

Education

Less than 9th grade 8.7%

Some HS, no diploma 14.0%

HS graduate 35.5%

Some college, no degree 22.7%

Associate's degree 5.4%

Bachelor's degree 6.8%

Graduate / professional 6.8%

Metric	%
HS diploma or higher	77.3%
Bachelor's or higher	13.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	158	9.9%
Kindergarten	152	9.5%
Elementary school	721	45.0%
High school	430	26.9%
College / grad school	140	8.7%

Employment

Industry of employment

Education & healthcare 27.8%

Manufacturing 13.8%

Retail trade 9.9%

Arts, food & hospitality 9.6%

Construction 8.1%

Agriculture & mining 7.1%

Other services 6.6%

Professional & management 4.9%

Transportation & utilities 3.9%

Public administration 3.8%

Finance & real estate 2.1%

Information 1.2%

Wholesale trade 1.0%

Occupation

Category	%
Management, business & arts	29.7%
Service	18.6%
Sales & office	17.9%
Natural resources & construction	15.2%
Production & transportation	18.7%

Employment type

Type	%
Private sector	61.5%
Government	26.0%
Self-employed	12.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	71.5%
Carpool	15.4%
Public transit	0.0%
Walk	4.4%
Work from home	7.2%
Other means	1.5%
Avg commute (minutes)	28.5

Poverty

All people 23.5%

Under 18 years 30.9%

18 and over 21.3%

Married-couple families 11.1%

Female-led households 43.8%

Income support

Source	% of households
Social Security	42.2%
Retirement income	24.8%
Supplemental Security	9.1%
Cash public assistance	2.8%
Food stamps / SNAP	21.1%

Health indicators

Condition	%
Obesity	41.7%
High blood pressure	44.0%
High cholesterol	36.2%
Diabetes	15.7%
Heart disease	9.6%
Stroke	5.0%
Asthma	12.5%
Arthritis	31.9%
Kidney disease	4.0%
Pulmonary disease	12.3%
Cancer	6.9%

Behavior / access	%
Smoking	28.6%
Binge drinking	12.4%
No physical activity	37.4%
Less than 7 hrs sleep	38.4%
Depression	25.9%
Fair or poor health	25.5%
Poor mental health	18.8%
Poor physical health	16.8%
No health insurance	20.0%
Visited doctor (checkup)	76.6%
Visited dentist	49.7%
Cholesterol screening	87.1%
Teeth loss	24.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	472	7.8%

Disability	%
Any disability	22.1%
Under 18	10.8%
18–64 years	21.5%
65 and over	38.0%

Health insurance coverage

Type	%
Private insurance	43.4%
Public insurance	47.8%
No insurance	20.3%
Uninsured under 19	14.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,376	93.4%
Spanish	140	1.9%
Other Indo-European	46	0.6%
Asian & Pacific Islander	14	0.2%
Other languages	48	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,697	97.5%
Born in same state	7,694	97.5%
Born in different state	4,127	52.3%
Foreign born	3	0.0%
Naturalized citizen	198	2.5%
Not a US citizen	100	50.5%

Ancestry

Ancestry	Count	%
French	621	7.9%
Italian	608	7.7%
Arab	322	4.1%

Ancestry	Count	%
English	44	0.6%
German	22	0.3%
Polish	1	0%

Technology access

Metric	% of households
Computer access	35.6%
Internet access	85.7%

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

Frequently asked questions about ZIP code 74346

What city is ZIP code 74346 in?

ZIP code 74346 is primarily assigned to Jay, Oklahoma.

What county is ZIP code 74346 in?

ZIP code 74346 falls within Delaware County, Oklahoma.

What is the poverty rate in ZIP code 74346?

24% of residents in ZIP code 74346 live below the poverty line, above the national average.

How educated is the population of ZIP code 74346?

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

Does ZIP code 74346 have a large retiree population?

42% of households in ZIP code 74346 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 74346?

The median home value in ZIP code 74346 is $116,900.

What timezone is ZIP code 74346 in?

ZIP code 74346 observes the CST timezone.