ZIP Code 74128 — Tulsa city, OK Demographics & Data

ZIP code 74128 covers Tulsa, OK in Tulsa County with a population of about 13,586.

At a glance, the area shows median age of 31.0 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 phillips theological seminary (1.7 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 74128 is about $49,654 — about 34% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.1%; unemployment rate near 6.6%; 12.1% of adults with a bachelor’s degree or higher (about 21.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Construction, and Retail trade; about 5.0% of workers reporting work-from-home (about 10.2 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 $109,100 — about 69% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $796 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 61.2% (about 4.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74128 in Tulsa, OK, a household would need roughly $30,000 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 $701. That sits below the local median household income ($49,654), 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 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 545 for ZIP 74128 (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.