74604 ZIP Code — Ponca City, OK

Kay County, Oklahoma

ZIP code 74604 is located in Ponca City, Oklahoma, within Kay County. It covers approximately 134.09 square miles and serves a population of 12,341 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 580.

About ZIP code 74604

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 $178,700. Owner-occupancy is high at 78%, well above the national average.

Median household income is $77,689. 44% 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 18 minutes is near the national average.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Overall, ZIP code 74604 reflects a community defined by high homeownership and a significant Social Security-dependent population.

12,341

population

134.09

sq mi land

Standard

ZIP type

Central (CT)

timezone

74604 ZIP code map

Cities in ZIP code 74604

Below are the cities the US Postal Service accepts for ZIP code 74604. Using any city not on this list may result in mail delivery delays.

City	Status
Ponca City	Acceptable
Ponca City	Preferred

Nearby ZIP codes

74641 Kaw City (10.6 mi) 74601 Ponca City (12.3 mi) 74644 Marland (12.8 mi) 74633 Burbank (12.9 mi) 74650 Ralston (13 mi) 74647 Newkirk (14.3 mi) 74637 Fairfax (19.3 mi)

Demographics updated 05/2026

Population
Total population	12,341
Population density	92 / sq mi
State FIPS	40
County FIPS	071

Geography
Land area	134.09 sq mi
Water area	5.77 sq mi
Latitude	36.7025
Longitude	-96.9328
Timezone	Central (CT)
Area code	580

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.7%	51.3%	46.5%
$50k – $100k	32.4%	31.9%	31.0%
$100k – $200k	17.8%	13.6%	18.1%
Over $200k	7.1%	3.2%	4.5%

Demographics & statistics

12,341

Population

People per sq mi

45.0

Median age

$77,689

Median household income

$41,115

Per capita income

$178,700

Median home value

$763

Median monthly rent

78.4%

Home ownership

12.3%

Poverty rate

4.9%

Unemployment

4,429

Housing units

27.2%

Bachelor's or higher

Age distribution

Male Female

300

Under 5

294

383

5–9

376

400

10–14

392

454

15–19

446

343

20–24

337

519

25–34

510

712

35–44

700

710

45–54

698

418

55–59

411

436

60–64

428

792

65–74

778

473

75–84

465

286

85+

280

← Male

Female →

Age summary

Group	Count	%
Under 18	2,658	21.5%
18 and over	9,683	78.5%
65 and over	3,074	24.9%
Median age	45.0 years

Race & ethnicity

White 80.4%

American Indian / Alaska Native 7.5%

Two or more races 6.6%

Hispanic or Latino 2.7%

Other race 1.5%

Black or African American 0.7%

Asian 0.5%

Group	Count	%
White	10,202	80.4%
American Indian / Alaska Native	949	7.5%
Two or more races	843	6.6%
Hispanic or Latino	342	2.7%
Other race	188	1.5%
Black or African American	90	0.7%
Asian	69	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.7%	51.3%	46.5%
$50k – $100k	32.4%	31.9%	31.0%
$100k – $200k	17.8%	13.6%	18.1%
Over $200k	7.1%	3.2%	4.5%

Under $10k 5.8%

$10k–$15k 3.1%

$15k–$25k 7.2%

$25k–$35k 7.5%

$35k–$50k 10.9%

$50k–$75k 14.7%

$75k–$100k 16.5%

$100k–$150k 16.9%

$150k–$200k 7.4%

$200k+ 10.0%

Range	% of households
Under $10k	5.8%
$10k–$15k	3.1%
$15k–$25k	7.2%
$25k–$35k	7.5%
$35k–$50k	10.9%
$50k–$75k	14.7%
$75k–$100k	16.5%
$100k–$150k	16.9%
$150k–$200k	7.4%
$200k+	10.0%
Median income	$77,689

Housing

Home values

Under $50k 3.5%

$50k–$100k 9.5%

$100k–$150k 21.0%

$150k–$200k 21.3%

$200k–$300k 23.9%

$300k–$500k 15.8%

$500k–$1M 3.3%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$178,700
Median rent / month	$763
Owner occupied	78.4%
Renter occupied	21.6%
Vacant	13.1%
Single-family detached	79.0%
Large apartment buildings	2.0%
Mobile homes	8.3%
Median rooms	6.4
Avg household size (owned)	2.66

Year built

Era	%
2020 or later	0.1%
2010–2019	3.4%
2000–2009	7.3%
1990–1999	10.8%
1980–1989	20.1%
1970–1979	24.8%
1960–1969	15.3%
1950–1959	14.2%
1940–1949	2.0%
1939 or earlier	1.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	5.0%
2 bedrooms	14.8%
3 bedrooms	51.1%
4 bedrooms	23.4%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	25.3%
2 vehicles	43.1%
3 or more	28.5%

Heating fuel

Fuel type	%
Utility gas	69.1%
Electricity	21.5%
Propane / LP gas	5.6%
Fuel oil	1.7%
Wood	0.5%

Households & families

Household type	Count	%
Married-couple family	2,687	56.7%
Cohabiting couple	235	5.0%
Male householder, no spouse	693	14.6%
Female householder, no spouse	1,126	23.8%
Households with children under 18	1,343	28.3%
Households with seniors (65+)	2,034	42.9%
Average household size	2.55

Marital status

Status	Male	Female
Never married	24.9%	19.1%
Married	59.9%	51.2%
Separated	0.6%	0.5%
Widowed	3.6%	16.5%
Divorced	10.9%	12.6%

Education

Less than 9th grade 1.2%

Some HS, no diploma 4.6%

HS graduate 28.2%

Some college, no degree 24.8%

Associate's degree 14.1%

Bachelor's degree 19.1%

Graduate / professional 8.1%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	27.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	147	5.1%
Kindergarten	164	5.7%
Elementary school	1,296	44.7%
High school	647	22.3%
College / grad school	643	22.2%

Employment

Industry of employment

Education & healthcare 22.3%

Manufacturing 17.0%

Retail trade 11.6%

Construction 7.4%

Professional & management 7.2%

Arts, food & hospitality 7.2%

Finance & real estate 5.9%

Other services 5.3%

Public administration 5.2%

Transportation & utilities 4.5%

Agriculture & mining 3.5%

Wholesale trade 1.6%

Information 1.5%

Occupation

Category	%
Management, business & arts	38.3%
Service	12.5%
Sales & office	22.8%
Natural resources & construction	13.0%
Production & transportation	13.5%

Employment type

Type	%
Private sector	76.5%
Government	16.6%
Self-employed	6.1%
Unpaid family workers	0.9%

Commute

Method	%
Drive alone	85.4%
Carpool	8.1%
Public transit	0.0%
Walk	0.8%
Work from home	4.3%
Other means	1.4%
Avg commute (minutes)	17.5

Poverty

All people 12.3%

Under 18 years 20.1%

18 and over 10.3%

Married-couple families 6.2%

Female-led households 26.1%

Income support

Source	% of households
Social Security	43.7%
Retirement income	31.9%
Supplemental Security	3.5%
Cash public assistance	1.7%
Food stamps / SNAP	6.6%

Health indicators

Condition	%
Obesity	39.1%
High blood pressure	43.6%
High cholesterol	42.1%
Diabetes	13.2%
Heart disease	9.1%
Stroke	4.1%
Asthma	10.5%
Arthritis	32.9%
Kidney disease	3.7%
Pulmonary disease	9.4%
Cancer	8.9%

Behavior / access	%
Smoking	18.5%
Binge drinking	12.1%
No physical activity	28.8%
Less than 7 hrs sleep	31.0%
Depression	23.4%
Fair or poor health	17.9%
Poor mental health	14.6%
Poor physical health	13.1%
No health insurance	14.7%
Visited doctor (checkup)	78.2%
Visited dentist	61.0%
Cholesterol screening	91.3%
Teeth loss	16.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	999	10.3%

Disability	%
Any disability	17.7%
Under 18	6.5%
18–64 years	13.7%
65 and over	36.1%

Health insurance coverage

Type	%
Private insurance	69.4%
Public insurance	40.0%
No insurance	9.4%
Uninsured under 19	9.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,747	95.2%
Spanish	81	0.7%
Other Indo-European	38	0.3%
Asian & Pacific Islander	26	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,060	97.7%
Born in same state	11,950	96.8%
Born in different state	7,985	64.7%
Foreign born	110	0.9%
Naturalized citizen	281	2.3%
Not a US citizen	223	79.4%

Ancestry

Ancestry	Count	%
French	1,726	14%
Italian	1,055	8.5%
Arab	675	5.5%
English	235	1.9%

Ancestry	Count	%
Polish	68	0.6%
Dutch	31	0.3%
German	19	0.2%
Irish	5	0%

Technology access

Metric	% of households
Computer access	38.4%
Internet access	94.5%

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

Frequently asked questions about ZIP code 74604

What city is ZIP code 74604 in?

ZIP code 74604 is primarily assigned to Ponca City, Oklahoma.

What county is ZIP code 74604 in?

ZIP code 74604 falls within Kay County, Oklahoma.

Does ZIP code 74604 have a large retiree population?

44% of households in ZIP code 74604 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 74604 have a large veteran population?

10% of civilians in ZIP code 74604 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 74604?

The median home value in ZIP code 74604 is $178,700.

What is the population of ZIP code 74604?

ZIP code 74604 has an estimated population of 12,341 residents, with a density of 92 people per square mile.

What timezone is ZIP code 74604 in?

ZIP code 74604 observes the CST timezone.