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Oklahoma ZIP Codes
Wagoner County
Okay, OK
74446
74446 ZIP Code — Okay, OK
Wagoner County, Oklahoma
ZIP code 74446 is located in
Okay ,
Oklahoma ,
within Wagoner County .
It covers approximately 1.33 square miles and serves a population of
478 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 918/539 .
About ZIP code 74446
The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $77,600. Owner-occupancy is high at 79%, well above the national average.
Median household income is $38,333. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 24% of households reflects economic stress in the area. 49% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.
College attainment at 7% 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. 22% of residents lack health insurance, above the national average.
Notable community characteristics include disability rates above the national average at 30%.
Overall, ZIP code 74446 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, high homeownership, a significant Social Security-dependent population, and elevated reliance on food assistance.
74446 ZIP code map
View map of 74446
Cities in ZIP code 74446
Below are the cities the US Postal Service accepts for ZIP code 74446. Using any city not on this list may result in mail delivery delays.
City
Status
Okay
Acceptable
Demographics
updated 05/2026
Population
Total population
478
Population density
359 / sq mi
State FIPS
40
County FIPS
145
Geography
Land area
1.33 sq mi
Water area
0.17 sq mi
Latitude
35.8628
Longitude
-95.3495
Timezone
Central (CT)
Area code
918/539
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
56.9%
35.1%
46.5%
$50k – $100k
34.3%
35.7%
31.0%
$100k – $200k
8.8%
25.5%
18.1%
Over $200k
0.0%
3.8%
4.5%
Demographics & statistics
$38,333
Median household income
Age distribution
Age summary
Group Count % Under 18 89 18.6% 18 and over 389 81.4% 65 and over 86 18.0% Median age 43.7 years
Race & ethnicity
American Indian / Alaska Native
21.2%
Black or African American
3%
Group Count % White 238 47.1% Two or more races 111 22% American Indian / Alaska Native 107 21.2% Hispanic or Latino 27 5.3% Black or African American 15 3% Other race 7 1.4%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
56.9%
35.1%
46.5%
$50k – $100k
34.3%
35.7%
31.0%
$100k – $200k
8.8%
25.5%
18.1%
Over $200k
0.0%
3.8%
4.5%
Range % of households Under $10k 0.5% $10k–$15k 10.4% $15k–$25k 17.0% $25k–$35k 15.9% $35k–$50k 11.0% $50k–$75k 26.4% $75k–$100k 9.3% $100k–$150k 4.9% $150k–$200k 3.3% $200k+ 1.1% Median income $38,333
Housing
Housing overview
Metric Value Median home value $77,600 Median rent / month $750 Owner occupied 79.1% Renter occupied 20.9% Vacant 19.5% Single-family detached 54.0% Large apartment buildings 0.0% Mobile homes 46.0% Median rooms 5.1 Avg household size (owned) 2.60
Year built
Era % 2020 or later 0.0% 2010–2019 4.4% 2000–2009 23.0% 1990–1999 17.3% 1980–1989 20.4% 1970–1979 13.7% 1960–1969 4.9% 1950–1959 9.3% 1940–1949 2.7% 1939 or earlier 4.4%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 2.7% 2 bedrooms 29.2% 3 bedrooms 57.1% 4 bedrooms 11.1% 5+ bedrooms 0.0%
Vehicles per household
Vehicles % of households No vehicle 2.7% 1 vehicle 41.8% 2 vehicles 38.5% 3 or more 17.0%
Heating fuel
Fuel type % Utility gas 54.9% Electricity 37.9% Wood 6.0% Solar 1.1%
Households & families
Household type Count % Married-couple family 73 40.1% Cohabiting couple 15 8.2% Male householder, no spouse 45 24.7% Female householder, no spouse 49 26.9% Households with children under 18 58 31.9% Households with seniors (65+) 65 35.7% Average household size 2.63
Marital status
Status Male Female Never married 22.0% 23.5% Married 51.3% 42.2% Separated 3.1% 1.0% Widowed 8.4% 14.7% Divorced 15.2% 18.6%
Education
Some HS, no diploma
15.9%
Some college, no degree
25.7%
Graduate / professional
0.6%
Metric % HS diploma or higher 83.8% Bachelor's or higher 7.2%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 7 8.1% Kindergarten 4 4.7% Elementary school 42 48.8% High school 21 24.4% College / grad school 12 14.0%
Employment
Industry of employment
Education & healthcare
20.4%
Transportation & utilities
10.5%
Arts, food & hospitality
8.9%
Public administration
8.9%
Finance & real estate
5.8%
Professional & management
5.8%
Agriculture & mining
1.0%
Occupation
Category % Management, business & arts 21.5% Service 17.3% Sales & office 29.8% Natural resources & construction 9.9% Production & transportation 21.5%
Employment type
Type % Private sector 77.0% Government 18.8% Self-employed 4.2% Unpaid family workers 0.0%
Commute
Method % Drive alone 82.3% Carpool 7.4% Public transit 0.0% Walk 0.0% Work from home 2.3% Other means 8.0% Avg commute (minutes) 25.2
Poverty
Married-couple families
17.8%
Female-led households
26.9%
Income support
Source % of households Social Security 48.9% Retirement income 22.5% Supplemental Security 10.4% Cash public assistance 8.8% Food stamps / SNAP 24.2%
Health indicators
Condition % Obesity 39.1% High blood pressure 39.7% High cholesterol 35.9% Diabetes 12.6% Heart disease 6.9% Stroke 3.5% Asthma 11.5% Arthritis 26.6% Kidney disease 3.0% Pulmonary disease 8.5% Cancer 6.2%
Behavior / access % Smoking 23.0% Binge drinking 13.3% No physical activity 29.6% Less than 7 hrs sleep 37.2% Depression 24.8% Fair or poor health 18.4% Poor mental health 17.5% Poor physical health 13.0% No health insurance 16.4% Visited doctor (checkup) 74.7% Visited dentist 55.6% Cholesterol screening 88.3% Teeth loss 16.8%
Veterans & disability
Veterans Count % Civilian veterans 39 10.0%
Disability % Any disability 29.9% Under 18 5.6% 18–64 years 32.0% 65 and over 47.7%
Health insurance coverage
Type % Private insurance 39.3% Public insurance 47.9% No insurance 22.2% Uninsured under 19 21.2%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 446 93.3% Spanish 3 0.7% Other Indo-European 3 0.7% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 471 98.5% Born in same state 467 97.7% Born in different state 348 72.8% Foreign born 4 0.8% Naturalized citizen 7 1.5% Not a US citizen 4 57.1%
Ancestry
Ancestry Count % Italian 61 12.8% French 23 4.8%
Ancestry Count % English 11 2.3% Arab 10 2.1%
Technology access
Metric % of households Computer access 38.1% Internet access 90.7%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 74446
What city is ZIP code 74446 in?
ZIP code 74446 is primarily assigned to Okay, Oklahoma.
What county is ZIP code 74446 in?
ZIP code 74446 falls within Wagoner County, Oklahoma.
How educated is the population of ZIP code 74446?
7% 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 74446 have a large retiree population?
49% of households in ZIP code 74446 receive Social Security income, suggesting a significant retiree or disability population.
What is the poverty rate in ZIP code 74446?
20% of residents in ZIP code 74446 live below the poverty line, above the national average.
What is the typical home value in ZIP code 74446?
The median home value in ZIP code 74446 is $77,600.
What timezone is ZIP code 74446 in?
ZIP code 74446 observes the CST timezone.
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