ZIP Code 74104 — Tulsa city, OK Demographics & Data

ZIP code 74104 covers Tulsa, OK in Tulsa County with a population of about 12,434.

At a glance, the area shows median age of 31.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 539, 918; U.S. House district OK-1; the TULSA media market.

Tulsa, OK sits in a university / college context (near tulsa welding school-tulsa (0.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 74104 is about $51,886 — about 31% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.0%; unemployment rate near 5.9%; 45.9% of adults with a bachelor’s degree or higher (about 12.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Food services; about 16.0% of workers reporting work-from-home (roughly in line with 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 $224,500 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $943 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 48.1% (about 17.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74104 in Tulsa, OK, a household would need roughly $62,000 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 $1,442. That is about 19% above the local median household income ($51,886), so the median earner would likely stretch or need a larger down payment. 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 Tulsa city, OK as Relatively High (composite score 97.9), which is among the highest nationally. The strongest component scores on US5 are flood (97.9) and wildfire (91.3). 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 Tulsa city, OK show little to no average snow and around 41.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 498 for ZIP 74104 (Tulsa 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.