ZIP Code 73644 — Elk City city, OK Demographics & Data

ZIP code 73644 covers Elk City, OK in Beckham County with a population of about 13,687.

At a glance, the area shows median age of 37.2 versus a U.S. median of about 38.9.

It sits in telephone area code 580; U.S. House district OK-3; the OKLAHOMA CITY media market.

Median household income in ZIP 73644 is about $51,774 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.3%; unemployment rate near 5.1%; 17.5% of adults with a bachelor’s degree or higher (about 16.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Mining, Retail trade, and Healthcare; about 4.0% of workers reporting work-from-home (about 11.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $167,300 — about 52% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $654 (about 44% below the U.S. median rent ($1,163)), and owner-occupancy near 66.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 73644 in Elk City, OK, a household would need roughly $46,000 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 $1,075. That sits below the local median household income ($51,774), 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 Elk City city, OK as Relatively Low (composite score 57.8), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (90.7) and flood (31.8). 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 Elk City city, OK show little to no average snow and around 29.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 549 for ZIP 73644 (Elk City city, 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.