34974 ZIP Code — Okeechobee, FL

Okeechobee County, Florida

ZIP code 34974 is located in Okeechobee, Florida, within Okeechobee County. It covers approximately 376.67 square miles and serves a population of 23,601 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 863.

About ZIP code 34974

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $150,000. Owner-occupancy is high at 80%, well above the national average.

Median household income is $48,462. Poverty affects 18% of residents, above the national average. 47% 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.

College attainment at 15% 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. 18% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 11% of civilians, above the national average of 7%.

Overall, ZIP code 34974 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

23,601

population

376.67

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34974 ZIP code map

Cities in ZIP code 34974

Below are the cities the US Postal Service accepts for ZIP code 34974. Using any city not on this list may result in mail delivery delays.

City	Status
Okeechobee	Preferred

Nearby ZIP codes

34956 Indiantown (17.6 mi)

Demographics updated 05/2026

Population
Total population	23,601
Population density	63 / sq mi
State FIPS	12
County FIPS	093

Geography
Land area	376.67 sq mi
Water area	19.33 sq mi
Latitude	27.1053
Longitude	-80.9196
Timezone	Eastern (ET)
Area code	863

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.9%	55.5%	43.4%
$50k – $100k	26.8%	26.5%	30.8%
$100k – $200k	15.0%	15.1%	19.3%
Over $200k	3.4%	2.9%	6.4%

Demographics & statistics

23,601

Population

People per sq mi

47.9

Median age

$48,462

Median household income

$31,272

Per capita income

$150,000

Median home value

$942

Median monthly rent

79.8%

Home ownership

18.1%

Poverty rate

6.0%

Unemployment

11,540

Housing units

15.3%

Bachelor's or higher

Age distribution

Male Female

626

Under 5

605

742

5–9

716

591

10–14

571

546

15–19

527

549

20–24

529

1,335

25–34

1,289

1,265

35–44

1,221

1,242

45–54

1,199

737

55–59

711

1,101

60–64

1,062

1,493

65–74

1,442

1,396

75–84

1,348

386

85+

372

← Male

Female →

Age summary

Group	Count	%
Under 18	4,531	19.2%
18 and over	19,070	80.8%
65 and over	6,437	27.3%
Median age	47.9 years

Race & ethnicity

White 73%

Hispanic or Latino 10.3%

Two or more races 6.1%

Other race 6%

Asian 1.6%

Black or African American 1.5%

American Indian / Alaska Native 1.5%

Group	Count	%
White	19,201	73%
Hispanic or Latino	2,713	10.3%
Two or more races	1,618	6.1%
Other race	1,576	6%
Asian	419	1.6%
Black or African American	400	1.5%
American Indian / Alaska Native	387	1.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.9%	55.5%	43.4%
$50k – $100k	26.8%	26.5%	30.8%
$100k – $200k	15.0%	15.1%	19.3%
Over $200k	3.4%	2.9%	6.4%

Under $10k 5.1%

$10k–$15k 7.7%

$15k–$25k 9.9%

$25k–$35k 13.2%

$35k–$50k 16.3%

$50k–$75k 18.1%

$75k–$100k 8.5%

$100k–$150k 12.8%

$150k–$200k 4.4%

$200k+ 4.0%

Range	% of households
Under $10k	5.1%
$10k–$15k	7.7%
$15k–$25k	9.9%
$25k–$35k	13.2%
$35k–$50k	16.3%
$50k–$75k	18.1%
$75k–$100k	8.5%
$100k–$150k	12.8%
$150k–$200k	4.4%
$200k+	4.0%
Median income	$48,462

Housing

Home values

Under $50k 16.3%

$50k–$100k 21.0%

$100k–$150k 12.7%

$150k–$200k 15.6%

$200k–$300k 16.6%

$300k–$500k 13.6%

$500k–$1M 4.0%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$150,000
Median rent / month	$942
Owner occupied	79.8%
Renter occupied	20.2%
Vacant	24.9%
Single-family detached	46.9%
Large apartment buildings	1.9%
Mobile homes	43.4%
Median rooms	4.8
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.9%
2010–2019	5.7%
2000–2009	14.6%
1990–1999	22.3%
1980–1989	23.5%
1970–1979	21.6%
1960–1969	7.2%
1950–1959	2.8%
1940–1949	0.2%
1939 or earlier	1.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	13.9%
2 bedrooms	40.6%
3 bedrooms	34.5%
4 bedrooms	7.8%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	42.4%
2 vehicles	37.5%
3 or more	17.1%

Heating fuel

Fuel type	%
Utility gas	2.5%
Electricity	91.2%
Propane / LP gas	3.4%
Fuel oil	0.2%
Wood	0.1%
Solar	0.2%
No fuel used	2.4%

Households & families

Household type	Count	%
Married-couple family	4,911	48.0%
Cohabiting couple	850	8.3%
Male householder, no spouse	2,139	20.9%
Female householder, no spouse	2,325	22.7%
Households with children under 18	2,373	23.2%
Households with seniors (65+)	4,552	44.5%
Average household size	2.30

Marital status

Status	Male	Female
Never married	24.4%	19.3%
Married	54.3%	50.8%
Separated	1.8%	1.5%
Widowed	5.6%	16.7%
Divorced	13.9%	11.8%

Education

Less than 9th grade 6.5%

Some HS, no diploma 10.4%

HS graduate 37.7%

Some college, no degree 21.6%

Associate's degree 8.5%

Bachelor's degree 11.2%

Graduate / professional 4.1%

Metric	%
HS diploma or higher	83.1%
Bachelor's or higher	15.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	406	9.5%
Kindergarten	256	6.0%
Elementary school	2,127	49.6%
High school	800	18.6%
College / grad school	702	16.4%

Employment

Industry of employment

Education & healthcare 21.9%

Retail trade 11.6%

Arts, food & hospitality 11.3%

Construction 10.0%

Public administration 9.4%

Professional & management 6.9%

Agriculture & mining 6.8%

Transportation & utilities 6.1%

Manufacturing 5.7%

Other services 3.9%

Finance & real estate 3.7%

Wholesale trade 1.8%

Information 0.8%

Occupation

Category	%
Management, business & arts	31.5%
Service	20.7%
Sales & office	20.4%
Natural resources & construction	17.5%
Production & transportation	9.8%

Employment type

Type	%
Private sector	71.1%
Government	19.7%
Self-employed	8.8%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	72.4%
Carpool	12.1%
Public transit	0.0%
Walk	3.3%
Work from home	9.5%
Other means	2.7%
Avg commute (minutes)	24.5

Poverty

All people 18.1%

Under 18 years 28.3%

18 and over 15.8%

Married-couple families 10.7%

Female-led households 25.8%

Income support

Source	% of households
Social Security	47.4%
Retirement income	27.8%
Supplemental Security	5.6%
Cash public assistance	2.5%
Food stamps / SNAP	15.7%

Health indicators

Condition	%
Obesity	32.6%
High blood pressure	40.0%
High cholesterol	37.7%
Diabetes	13.6%
Heart disease	10.3%
Stroke	4.7%
Asthma	8.9%
Arthritis	31.6%
Kidney disease	4.1%
Pulmonary disease	12.1%
Cancer	8.7%

Behavior / access	%
Smoking	22.7%
Binge drinking	13.2%
No physical activity	32.3%
Less than 7 hrs sleep	32.1%
Depression	20.4%
Fair or poor health	21.3%
Poor mental health	16.1%
Poor physical health	14.6%
No health insurance	24.0%
Visited doctor (checkup)	75.2%
Visited dentist	54.3%
Cholesterol screening	90.5%
Teeth loss	19.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	2,181	11.4%

Disability	%
Any disability	20.9%
Under 18	9.5%
18–64 years	16.0%
65 and over	38.5%

Health insurance coverage

Type	%
Private insurance	49.9%
Public insurance	49.0%
No insurance	18.4%
Uninsured under 19	10.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	22,370	94.8%
Spanish	1,699	7.6%
Other Indo-European	1,631	7.3%
Asian & Pacific Islander	59	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,989	88.9%
Born in same state	20,665	87.6%
Born in different state	10,385	44.0%
Foreign born	324	1.4%
Naturalized citizen	2,612	11.1%
Not a US citizen	1,469	56.2%

Ancestry

Ancestry	Count	%
Italian	3,038	12.9%
Arab	2,406	10.2%
French	2,394	10.1%
English	445	1.9%
German	177	0.7%

Ancestry	Count	%
Irish	69	0.3%
Polish	59	0.2%
Dutch	52	0.2%
Norwegian	6	0%

Technology access

Metric	% of households
Computer access	43.3%
Internet access	91.7%

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

Frequently asked questions about ZIP code 34974

What city is ZIP code 34974 in?

ZIP code 34974 is primarily assigned to Okeechobee, Florida.

What county is ZIP code 34974 in?

ZIP code 34974 falls within Okeechobee County, Florida.

Does ZIP code 34974 have an older population?

27% of residents in ZIP code 34974 are 65 or older, above the national average of ~17%.

Does ZIP code 34974 have a large retiree population?

47% of households in ZIP code 34974 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 34974?

18% of residents in ZIP code 34974 live below the poverty line, above the national average.

Does ZIP code 34974 have a large veteran population?

11% of civilians in ZIP code 34974 are veterans, above the national average of ~7%.

What timezone is ZIP code 34974 in?

ZIP code 34974 observes the EST timezone.