74851 ZIP Code — Mcloud, OK

Pottawatomie County, Oklahoma

ZIP code 74851 is located in Mcloud, Oklahoma, within Pottawatomie County. It covers approximately 84.07 square miles and serves a population of 11,351 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 405.

About ZIP code 74851

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 $149,800. Owner-occupancy is high at 82%, well above the national average.

Median household income is $73,644. 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 31 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 smoking (23%) compared to national benchmarks.

Overall, ZIP code 74851 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

11,351

population

84.07

sq mi land

Standard

ZIP type

Central (CT)

timezone

74851 ZIP code map

Cities in ZIP code 74851

Below are the cities the US Postal Service accepts for ZIP code 74851. Using any city not on this list may result in mail delivery delays.

City	Status
Mcloud	Acceptable
Mcloud	Preferred

Nearby ZIP codes

74857 Newalla (7.2 mi) 73045 Harrah (7.6 mi) 74801 Shawnee (10.2 mi) 73020 Choctaw (10.7 mi) 74855 Meeker (11.4 mi) 74804 Shawnee (13.1 mi) 74873 Tecumseh (13.4 mi) 73150 Oklahoma City (13.6 mi) 73026 Norman (14.2 mi) 73130 Oklahoma City (14.9 mi) 73165 Oklahoma City (15.4 mi) 73084 Spencer (17.2 mi)

Demographics updated 05/2026

Population
Total population	11,351
Population density	135 / sq mi
State FIPS	40
County FIPS	125

Geography
Land area	84.07 sq mi
Water area	1.28 sq mi
Latitude	35.3919
Longitude	-97.0890
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	35.2%	47.6%	46.5%
$50k – $100k	39.0%	32.6%	31.0%
$100k – $200k	22.1%	17.1%	18.1%
Over $200k	3.8%	2.6%	4.5%

Demographics & statistics

11,351

Population

135

People per sq mi

38.3

Median age

$73,644

Median household income

$29,129

Per capita income

$149,800

Median home value

$681

Median monthly rent

81.9%

Home ownership

9.7%

Poverty rate

5.3%

Unemployment

3,267

Housing units

14.0%

Bachelor's or higher

Age distribution

Male Female

239

Under 5

308

314

5–9

404

382

10–14

492

303

15–19

390

220

20–24

284

774

25–34

997

718

35–44

925

726

45–54

935

360

55–59

464

234

60–64

302

443

65–74

571

210

75–84

271

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,559	22.5%
18 and over	8,792	77.5%
65 and over	1,580	13.9%
Median age	38.3 years

Race & ethnicity

White 68.5%

American Indian / Alaska Native 12%

Two or more races 10.5%

Black or African American 3.6%

Hispanic or Latino 3.4%

Other race 1.1%

Asian 0.8%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	8,049	68.5%
American Indian / Alaska Native	1,415	12%
Two or more races	1,238	10.5%
Black or African American	419	3.6%
Hispanic or Latino	400	3.4%
Other race	125	1.1%
Asian	92	0.8%
Native Hawaiian / Pacific Islander	13	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.2%	47.6%	46.5%
$50k – $100k	39.0%	32.6%	31.0%
$100k – $200k	22.1%	17.1%	18.1%
Over $200k	3.8%	2.6%	4.5%

Under $10k 5.0%

$10k–$15k 2.7%

$15k–$25k 10.0%

$25k–$35k 7.5%

$35k–$50k 12.0%

$50k–$75k 13.5%

$75k–$100k 18.7%

$100k–$150k 16.2%

$150k–$200k 10.1%

$200k+ 4.3%

Range	% of households
Under $10k	5.0%
$10k–$15k	2.7%
$15k–$25k	10.0%
$25k–$35k	7.5%
$35k–$50k	12.0%
$50k–$75k	13.5%
$75k–$100k	18.7%
$100k–$150k	16.2%
$150k–$200k	10.1%
$200k+	4.3%
Median income	$73,644

Housing

Home values

Under $50k 12.6%

$50k–$100k 21.7%

$100k–$150k 15.8%

$150k–$200k 12.0%

$200k–$300k 24.7%

$300k–$500k 9.3%

$500k–$1M 3.5%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$149,800
Median rent / month	$681
Owner occupied	81.9%
Renter occupied	18.1%
Vacant	7.2%
Single-family detached	64.4%
Large apartment buildings	0.0%
Mobile homes	31.5%
Median rooms	5.4
Avg household size (owned)	2.84

Year built

Era	%
2020 or later	0.5%
2010–2019	14.8%
2000–2009	18.4%
1990–1999	17.2%
1980–1989	17.8%
1970–1979	19.0%
1960–1969	3.6%
1950–1959	2.7%
1940–1949	3.0%
1939 or earlier	3.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.4%
2 bedrooms	22.0%
3 bedrooms	55.5%
4 bedrooms	15.8%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.3%
1 vehicle	27.4%
2 vehicles	36.0%
3 or more	34.3%

Heating fuel

Fuel type	%
Utility gas	16.1%
Electricity	64.7%
Propane / LP gas	14.0%
Fuel oil	0.1%
Wood	4.6%

Households & families

Household type	Count	%
Married-couple family	2,193	60.2%
Cohabiting couple	127	3.5%
Male householder, no spouse	561	15.4%
Female householder, no spouse	762	20.9%
Households with children under 18	1,198	32.9%
Households with seniors (65+)	1,201	33.0%
Average household size	2.77

Marital status

Status	Male	Female
Never married	23.2%	24.6%
Married	59.7%	48.4%
Separated	1.7%	3.6%
Widowed	4.6%	8.8%
Divorced	10.8%	14.6%

Education

Less than 9th grade 1.6%

Some HS, no diploma 8.1%

HS graduate 38.4%

Some college, no degree 28.1%

Associate's degree 9.8%

Bachelor's degree 9.8%

Graduate / professional 4.3%

Metric	%
HS diploma or higher	90.4%
Bachelor's or higher	14.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	123	4.7%
Kindergarten	100	3.9%
Elementary school	1,229	47.3%
High school	691	26.6%
College / grad school	454	17.5%

Employment

Industry of employment

Education & healthcare 21.4%

Construction 10.7%

Public administration 10.6%

Professional & management 10.0%

Retail trade 8.7%

Manufacturing 8.6%

Arts, food & hospitality 8.3%

Transportation & utilities 6.9%

Other services 4.5%

Agriculture & mining 3.4%

Finance & real estate 3.4%

Information 2.1%

Wholesale trade 1.5%

Occupation

Category	%
Management, business & arts	28.8%
Service	21.5%
Sales & office	17.0%
Natural resources & construction	13.8%
Production & transportation	18.9%

Employment type

Type	%
Private sector	72.3%
Government	21.1%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.7%
Carpool	9.9%
Public transit	0.0%
Walk	2.3%
Work from home	5.6%
Other means	1.5%
Avg commute (minutes)	30.6

Poverty

All people 9.7%

Under 18 years 12.0%

18 and over 8.9%

Married-couple families 5.1%

Female-led households 22.9%

Income support

Source	% of households
Social Security	36.9%
Retirement income	32.0%
Supplemental Security	6.4%
Cash public assistance	3.2%
Food stamps / SNAP	14.6%

Health indicators

Condition	%
Obesity	38.0%
High blood pressure	37.6%
High cholesterol	34.5%
Diabetes	10.4%
Heart disease	6.4%
Stroke	3.0%
Asthma	11.4%
Arthritis	26.6%
Kidney disease	2.7%
Pulmonary disease	7.9%
Cancer	6.0%

Behavior / access	%
Smoking	22.5%
Binge drinking	13.4%
No physical activity	29.1%
Less than 7 hrs sleep	35.8%
Depression	27.0%
Fair or poor health	17.1%
Poor mental health	18.0%
Poor physical health	12.2%
No health insurance	16.8%
Visited doctor (checkup)	74.4%
Visited dentist	53.6%
Cholesterol screening	88.3%
Teeth loss	16.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	769	8.8%

Disability	%
Any disability	18.2%
Under 18	4.1%
18–64 years	15.8%
65 and over	51.0%

Health insurance coverage

Type	%
Private insurance	70.5%
Public insurance	34.1%
No insurance	11.2%
Uninsured under 19	10.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,804	95.2%
Spanish	273	2.5%
Other Indo-European	164	1.5%
Asian & Pacific Islander	17	0.2%
Other languages	67	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,062	97.5%
Born in same state	10,994	96.9%
Born in different state	7,939	69.9%
Foreign born	68	0.6%
Naturalized citizen	289	2.5%
Not a US citizen	176	60.9%

Ancestry

Ancestry	Count	%
Italian	1,306	11.5%
Arab	792	7%
French	746	6.6%
German	201	1.8%

Ancestry	Count	%
English	78	0.7%
Polish	46	0.4%
Irish	25	0.2%
Dutch	11	0.1%

Technology access

Metric	% of households
Computer access	32.1%
Internet access	94.7%

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

Frequently asked questions about ZIP code 74851

What city is ZIP code 74851 in?

ZIP code 74851 is primarily assigned to Mcloud, Oklahoma.

What county is ZIP code 74851 in?

ZIP code 74851 falls within Pottawatomie County, Oklahoma.

How educated is the population of ZIP code 74851?

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

Is ZIP code 74851 mostly owner-occupied?

82% of occupied units in ZIP code 74851 are owner-occupied, well above the national average.

Does ZIP code 74851 have a large retiree population?

37% of households in ZIP code 74851 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 74851?

The median home value in ZIP code 74851 is $149,800.

What timezone is ZIP code 74851 in?

ZIP code 74851 observes the CST timezone.