74081 ZIP Code — Terlton, OK

Pawnee County, Oklahoma

ZIP code 74081 is located in Terlton, Oklahoma, within Pawnee County. It covers approximately 35.05 square miles and serves a population of 1,939 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 918.

About ZIP code 74081

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 $105,200. Owner-occupancy is high at 93%, well above the national average.

Median household income is $49,635. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with manufacturing as the leading industry. An above-average commute of 35 minutes suggests many residents work outside the immediate area.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Notable community characteristics include disability rates above the national average at 24%.

Overall, ZIP code 74081 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

1,939

population

35.05

sq mi land

Standard

ZIP type

Central (CT)

timezone

74081 ZIP code map

Cities in ZIP code 74081

Below are the cities the US Postal Service accepts for ZIP code 74081. Using any city not on this list may result in mail delivery delays.

City	Status
Terlton	Preferred

Nearby ZIP codes

74020 Cleveland (4.4 mi) 74038 Jennings (5.5 mi) 74054 Osage (9 mi) 74044 Mannford (9.4 mi) 74045 Maramec (11 mi) 74035 Hominy (14.4 mi) 74085 Yale (15.3 mi) 74063 Sand Springs (15.5 mi) 74030 Drumright (15.8 mi) 74060 Prue (17.7 mi) 74058 Pawnee (19 mi) 74023 Cushing (19.1 mi)

Demographics updated 05/2026

Population
Total population	1,939
Population density	55 / sq mi
State FIPS	40
County FIPS	117

Geography
Land area	35.05 sq mi
Water area	1.09 sq mi
Latitude	36.1917
Longitude	-96.4818
Timezone	Central (CT)
Area code	918

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	49.6%	49.2%	46.5%
$50k – $100k	38.6%	34.2%	31.0%
$100k – $200k	11.1%	14.0%	18.1%
Over $200k	0.7%	2.6%	4.5%

Demographics & statistics

1,939

Population

People per sq mi

43.2

Median age

$49,635

Median household income

$25,431

Per capita income

$105,200

Median home value

$1,250

Median monthly rent

92.5%

Home ownership

9.4%

Poverty rate

3.0%

Unemployment

670

Housing units

12.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

147

35–44

119

45–54

55–59

60–64

124

65–74

100

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	485	25.0%
18 and over	1,454	75.0%
65 and over	425	21.9%
Median age	43.2 years

Race & ethnicity

White 83.7%

Two or more races 9.5%

American Indian / Alaska Native 5.8%

Hispanic or Latino 1%

Group	Count	%
White	1,639	83.7%
Two or more races	187	9.5%
American Indian / Alaska Native	113	5.8%
Hispanic or Latino	20	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	49.6%	49.2%	46.5%
$50k – $100k	38.6%	34.2%	31.0%
$100k – $200k	11.1%	14.0%	18.1%
Over $200k	0.7%	2.6%	4.5%

Under $10k 2.7%

$10k–$15k 5.0%

$15k–$25k 9.3%

$25k–$35k 7.8%

$35k–$50k 25.7%

$50k–$75k 15.5%

$75k–$100k 12.1%

$100k–$150k 12.7%

$150k–$200k 4.1%

$200k+ 5.0%

Range	% of households
Under $10k	2.7%
$10k–$15k	5.0%
$15k–$25k	9.3%
$25k–$35k	7.8%
$35k–$50k	25.7%
$50k–$75k	15.5%
$75k–$100k	12.1%
$100k–$150k	12.7%
$150k–$200k	4.1%
$200k+	5.0%
Median income	$49,635

Housing

Home values

Under $50k 20.7%

$50k–$100k 27.0%

$100k–$150k 23.9%

$150k–$200k 11.2%

$200k–$300k 12.2%

$300k–$500k 2.4%

$500k–$1M 2.5%

Housing overview

Metric	Value
Median home value	$105,200
Median rent / month	$1,250
Owner occupied	92.5%
Renter occupied	7.5%
Vacant	11.3%
Single-family detached	58.4%
Large apartment buildings	0.0%
Mobile homes	41.6%
Median rooms	5.4
Avg household size (owned)	3.08

Year built

Era	%
2020 or later	0.0%
2010–2019	11.8%
2000–2009	17.7%
1990–1999	15.2%
1980–1989	17.1%
1970–1979	20.2%
1960–1969	10.7%
1950–1959	1.3%
1940–1949	1.4%
1939 or earlier	4.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.8%
1 bedroom	7.0%
2 bedrooms	21.7%
3 bedrooms	49.9%
4 bedrooms	17.4%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.8%
1 vehicle	20.3%
2 vehicles	39.1%
3 or more	39.9%

Heating fuel

Fuel type	%
Utility gas	4.2%
Electricity	58.1%
Propane / LP gas	28.4%
Wood	4.7%

Households & families

Household type	Count	%
Married-couple family	385	60.4%
Cohabiting couple	8	1.3%
Male householder, no spouse	114	17.9%
Female householder, no spouse	130	20.4%
Households with children under 18	214	33.6%
Households with seniors (65+)	246	38.6%
Average household size	3.04

Marital status

Status	Male	Female
Never married	21.4%	17.6%
Married	60.3%	62.1%
Separated	2.7%	2.0%
Widowed	3.3%	10.9%
Divorced	12.2%	7.4%

Education

Less than 9th grade 3.2%

Some HS, no diploma 10.8%

HS graduate 50.3%

Some college, no degree 17.7%

Associate's degree 5.3%

Bachelor's degree 8.7%

Graduate / professional 4.0%

Metric	%
HS diploma or higher	86.0%
Bachelor's or higher	12.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	40	8.3%
Kindergarten	8	1.7%
Elementary school	286	59.3%
High school	109	22.6%
College / grad school	39	8.1%

Employment

Industry of employment

Manufacturing 18.1%

Education & healthcare 15.9%

Construction 11.4%

Transportation & utilities 11.1%

Agriculture & mining 9.1%

Retail trade 8.1%

Professional & management 6.3%

Public administration 5.8%

Arts, food & hospitality 5.6%

Other services 4.4%

Finance & real estate 2.7%

Wholesale trade 1.6%

Occupation

Category	%
Management, business & arts	33.0%
Service	15.8%
Sales & office	10.5%
Natural resources & construction	15.0%
Production & transportation	25.8%

Employment type

Type	%
Private sector	71.3%
Government	13.9%
Self-employed	14.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	83.0%
Carpool	4.0%
Public transit	0.0%
Walk	0.5%
Work from home	12.5%
Other means	0.0%
Avg commute (minutes)	35.3

Poverty

All people 9.4%

Under 18 years 6.0%

18 and over 10.4%

Married-couple families 1.8%

Female-led households 52.1%

Income support

Source	% of households
Social Security	50.2%
Retirement income	23.7%
Supplemental Security	11.8%
Cash public assistance	2.0%
Food stamps / SNAP	7.4%

Health indicators

Condition	%
Obesity	39.9%
High blood pressure	41.1%
High cholesterol	37.5%
Diabetes	12.7%
Heart disease	8.0%
Stroke	3.8%
Asthma	11.2%
Arthritis	28.3%
Kidney disease	3.3%
Pulmonary disease	10.1%
Cancer	6.7%

Behavior / access	%
Smoking	24.4%
Binge drinking	13.6%
No physical activity	31.5%
Less than 7 hrs sleep	34.1%
Depression	25.6%
Fair or poor health	20.2%
Poor mental health	17.3%
Poor physical health	14.1%
No health insurance	17.8%
Visited doctor (checkup)	75.5%
Visited dentist	53.7%
Cholesterol screening	88.0%
Teeth loss	19.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	110	7.6%

Disability	%
Any disability	23.7%
Under 18	9.7%
18–64 years	14.0%
65 and over	63.1%

Health insurance coverage

Type	%
Private insurance	60.8%
Public insurance	43.9%
No insurance	9.2%
Uninsured under 19	2.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,856	95.7%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,935	99.8%
Born in same state	1,935	99.8%
Born in different state	1,367	70.5%
Foreign born	0	0.0%
Naturalized citizen	4	0.2%
Not a US citizen	1	25.0%

Ancestry

Ancestry	Count	%
Italian	313	16.1%
French	118	6.1%
Arab	76	3.9%
English	33	1.7%

Ancestry	Count	%
Irish	7	0.4%
Polish	6	0.3%
Dutch	1	0.1%

Technology access

Metric	% of households
Computer access	32.9%
Internet access	92.2%

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

Frequently asked questions about ZIP code 74081

What city is ZIP code 74081 in?

ZIP code 74081 is primarily assigned to Terlton, Oklahoma.

What county is ZIP code 74081 in?

ZIP code 74081 falls within Pawnee County, Oklahoma.

Is ZIP code 74081 mostly owner-occupied?

93% of occupied units in ZIP code 74081 are owner-occupied, well above the national average.

Does ZIP code 74081 have a large retiree population?

50% of households in ZIP code 74081 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 74081?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

What is the typical home value in ZIP code 74081?

The median home value in ZIP code 74081 is $105,200.

What timezone is ZIP code 74081 in?

ZIP code 74081 observes the CST timezone.