ZIP Code 73569 — Terral town, OK Demographics & Data

ZIP code 73569 covers Terral, OK in Jefferson County with a population of about 406.

At a glance, the area shows median age of 53.0 versus a U.S. median of about 38.9.

It sits in telephone area code 580; U.S. House district OK-4; the WICHITA FALLS & LAWTON media market.

Median household income in ZIP 73569 is about $42,000 — about 44% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.9%; unemployment rate near 4.6%; 11.3% of adults with a bachelor’s degree or higher (about 22.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Retail trade, and Mining; about 3.1% of workers reporting work-from-home (about 12.1 points below the U.S. share (15.2%)); a mean commute of about 155.0 minutes (U.S. average near 26.8).

Median home value is about $59,500 — about 83% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $292 (about 75% below the U.S. median rent ($1,163)), and owner-occupancy near 65.7% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 73569 in Terral, OK, a household would need roughly $16,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $382. That sits below the local median household income ($42,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Terral town, OK as Very Low (composite score 20.9), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (78.2) and hurricane (32.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Terral town, OK show little to no average snow and around 35.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 16 for ZIP 73569 (Terral town, OK) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.