74085 ZIP Code — Yale, OK

Payne County, Oklahoma

ZIP code 74085 is located in Yale, Oklahoma, within Payne County. It covers approximately 96.96 square miles and serves a population of 2,503 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 918/539.

About ZIP code 74085

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 $131,900. Owner-occupancy is high at 76%, well above the national average.

Median household income is $38,906. Poverty affects 27% of residents, above the national average. SNAP benefit usage at 18% of households reflects economic stress in the area. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with construction as the leading industry. The average commute of 27 minutes is near the national average.

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 (25%) compared to national benchmarks. 22% of residents lack health insurance, above the national average.

Overall, ZIP code 74085 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.

2,503

population

96.96

sq mi land

Standard

ZIP type

Central (CT)

timezone

74085 ZIP code map

Cities in ZIP code 74085

Below are the cities the US Postal Service accepts for ZIP code 74085. Using any city not on this list may result in mail delivery delays.

City	Status
Yale	Preferred

Nearby ZIP codes

74023 Cushing (5.8 mi) 74045 Maramec (8.7 mi) 74038 Jennings (10.6 mi) 74062 Ripley (11.6 mi) 74032 Glencoe (11.7 mi) 74030 Drumright (14.2 mi) 74081 Terlton (15.3 mi) 74058 Pawnee (16.3 mi) 74824 Agra (18.1 mi) 74044 Mannford (18.9 mi) 74020 Cleveland (18.9 mi) 74074 Stillwater (19 mi)

Demographics updated 05/2026

Population
Total population	2,503
Population density	26 / sq mi
State FIPS	40
County FIPS	119

Geography
Land area	96.96 sq mi
Water area	0.61 sq mi
Latitude	36.1003
Longitude	-96.7309
Timezone	Central (CT)
Area code	918/539

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	67.6%	57.2%	46.5%
$50k – $100k	17.6%	23.9%	31.0%
$100k – $200k	12.4%	15.6%	18.1%
Over $200k	2.3%	3.2%	4.5%

Demographics & statistics

2,503

Population

People per sq mi

44.3

Median age

$38,906

Median household income

$24,523

Per capita income

$131,900

Median home value

$823

Median monthly rent

75.8%

Home ownership

26.6%

Poverty rate

5.6%

Unemployment

985

Housing units

13.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

103

15–19

20–24

186

25–34

166

120

35–44

107

157

45–54

141

55–59

60–64

193

65–74

172

75–84

122

85+

109

← Male

Female →

Age summary

Group	Count	%
Under 18	500	20.0%
18 and over	2,003	80.0%
65 and over	694	27.7%
Median age	44.3 years

Race & ethnicity

White 82.3%

Two or more races 10.1%

American Indian / Alaska Native 3%

Hispanic or Latino 2.7%

Native Hawaiian / Pacific Islander 1%

Asian 0.5%

Other race 0.4%

Group	Count	%
White	2,117	82.3%
Two or more races	259	10.1%
American Indian / Alaska Native	78	3%
Hispanic or Latino	70	2.7%
Native Hawaiian / Pacific Islander	26	1%
Asian	12	0.5%
Other race	11	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	67.6%	57.2%	46.5%
$50k – $100k	17.6%	23.9%	31.0%
$100k – $200k	12.4%	15.6%	18.1%
Over $200k	2.3%	3.2%	4.5%

Under $10k 4.4%

$10k–$15k 6.2%

$15k–$25k 11.1%

$25k–$35k 23.8%

$35k–$50k 16.5%

$50k–$75k 11.1%

$75k–$100k 7.7%

$100k–$150k 13.6%

$150k–$200k 3.9%

$200k+ 1.8%

Range	% of households
Under $10k	4.4%
$10k–$15k	6.2%
$15k–$25k	11.1%
$25k–$35k	23.8%
$35k–$50k	16.5%
$50k–$75k	11.1%
$75k–$100k	7.7%
$100k–$150k	13.6%
$150k–$200k	3.9%
$200k+	1.8%
Median income	$38,906

Housing

Home values

Under $50k 21.3%

$50k–$100k 19.3%

$100k–$150k 12.1%

$150k–$200k 4.0%

$200k–$300k 27.9%

$300k–$500k 9.9%

$500k–$1M 5.4%

Housing overview

Metric	Value
Median home value	$131,900
Median rent / month	$823
Owner occupied	75.8%
Renter occupied	24.2%
Vacant	17.8%
Single-family detached	79.0%
Large apartment buildings	0.0%
Mobile homes	16.7%
Median rooms	5.9
Avg household size (owned)	2.30

Year built

Era	%
2020 or later	0.0%
2010–2019	8.2%
2000–2009	10.6%
1990–1999	7.3%
1980–1989	19.0%
1970–1979	24.5%
1960–1969	5.5%
1950–1959	7.8%
1940–1949	5.0%
1939 or earlier	12.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	4.1%
2 bedrooms	25.1%
3 bedrooms	54.2%
4 bedrooms	14.7%
5+ bedrooms	0.3%

Vehicles per household

Vehicles	% of households
No vehicle	4.6%
1 vehicle	38.5%
2 vehicles	36.8%
3 or more	20.1%

Heating fuel

Fuel type	%
Utility gas	34.3%
Electricity	48.5%
Propane / LP gas	14.4%
Wood	2.9%

Households & families

Household type	Count	%
Married-couple family	636	63.0%
Cohabiting couple	63	6.2%
Male householder, no spouse	114	11.3%
Female householder, no spouse	197	19.5%
Households with children under 18	322	31.9%
Households with seniors (65+)	420	41.6%
Average household size	2.47

Marital status

Status	Male	Female
Never married	27.7%	18.8%
Married	60.0%	62.6%
Separated	2.0%	4.4%
Widowed	3.2%	6.5%
Divorced	7.1%	7.8%

Education

Less than 9th grade 2.6%

Some HS, no diploma 7.5%

HS graduate 56.0%

Some college, no degree 17.4%

Associate's degree 3.5%

Bachelor's degree 11.4%

Graduate / professional 1.7%

Metric	%
HS diploma or higher	89.9%
Bachelor's or higher	13.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	19	3.9%
Kindergarten	25	5.1%
Elementary school	213	43.6%
High school	147	30.1%
College / grad school	85	17.4%

Employment

Industry of employment

Construction 19.9%

Education & healthcare 17.6%

Finance & real estate 10.1%

Manufacturing 9.5%

Agriculture & mining 7.2%

Arts, food & hospitality 7.0%

Transportation & utilities 6.6%

Professional & management 6.6%

Retail trade 4.7%

Public administration 4.4%

Other services 4.2%

Wholesale trade 2.0%

Information 0.1%

Occupation

Category	%
Management, business & arts	27.3%
Service	18.1%
Sales & office	21.5%
Natural resources & construction	15.4%
Production & transportation	17.6%

Employment type

Type	%
Private sector	79.4%
Government	13.0%
Self-employed	7.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	71.3%
Carpool	17.3%
Public transit	0.0%
Walk	5.5%
Work from home	4.7%
Other means	1.3%
Avg commute (minutes)	27.3

Poverty

All people 26.6%

Under 18 years 43.2%

18 and over 22.7%

Married-couple families 9.0%

Female-led households 66.3%

Income support

Source	% of households
Social Security	41.6%
Retirement income	29.3%
Supplemental Security	3.8%
Cash public assistance	6.8%
Food stamps / SNAP	17.7%

Health indicators

Condition	%
Obesity	39.8%
High blood pressure	42.2%
High cholesterol	36.8%
Diabetes	13.9%
Heart disease	9.3%
Stroke	4.5%
Asthma	11.4%
Arthritis	29.7%
Kidney disease	3.8%
Pulmonary disease	11.2%
Cancer	7.2%

Behavior / access	%
Smoking	24.8%
Binge drinking	12.5%
No physical activity	32.4%
Less than 7 hrs sleep	36.3%
Depression	25.8%
Fair or poor health	22.2%
Poor mental health	17.6%
Poor physical health	15.1%
No health insurance	18.0%
Visited doctor (checkup)	75.3%
Visited dentist	54.9%
Cholesterol screening	87.5%
Teeth loss	23.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	84	4.2%

Disability	%
Any disability	20.1%
Under 18	9.0%
18–64 years	21.9%
65 and over	24.8%

Health insurance coverage

Type	%
Private insurance	58.7%
Public insurance	44.1%
No insurance	21.7%
Uninsured under 19	27.8%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,385	95.3%
Spanish	9	0.4%
Other Indo-European	5	0.2%
Asian & Pacific Islander	0	0.0%
Other languages	4	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,493	99.6%
Born in same state	2,478	99.0%
Born in different state	1,916	76.5%
Foreign born	15	0.6%
Naturalized citizen	10	0.4%
Not a US citizen	6	60.0%

Ancestry

Ancestry	Count	%
Italian	314	12.5%
Arab	313	12.5%
French	261	10.4%

Ancestry	Count	%
English	36	1.4%
Polish	5	0.2%

Technology access

Metric	% of households
Computer access	40.4%
Internet access	89.8%

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

Frequently asked questions about ZIP code 74085

What city is ZIP code 74085 in?

ZIP code 74085 is primarily assigned to Yale, Oklahoma.

What county is ZIP code 74085 in?

ZIP code 74085 falls within Payne County, Oklahoma.

Does ZIP code 74085 have an older population?

28% of residents in ZIP code 74085 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 74085?

27% of residents in ZIP code 74085 live below the poverty line, above the national average.

How educated is the population of ZIP code 74085?

13% 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 74085 have a large retiree population?

42% of households in ZIP code 74085 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 74085 in?

ZIP code 74085 observes the CST timezone.