ZIP Code 74358 — North Miami town, OK Demographics & Data

ZIP code 74358 covers North Miami, OK in Ottawa County with a population of about 227.

At a glance, the area shows median age of 34.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 539, 918; U.S. House district OK-2; the JOPLIN - PITTSBURG media market.

Median household income in ZIP 74358 is about $47,917 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.8%; unemployment rate near 1.2%; 5.3% of adults with a bachelor’s degree or higher (about 28.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Arts and entertainment, and Retail trade; about 7.4% of workers reporting work-from-home (about 7.8 points below the U.S. share (15.2%)); a mean commute of about 75.0 minutes (U.S. average near 26.8).

Median home value is about $57,300 — about 84% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $575 (about 51% below the U.S. median rent ($1,163)), and owner-occupancy near 82.0% (about 16.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74358 in North Miami, 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 $368. That sits below the local median household income ($47,917), 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 North Miami town, OK as Relatively Low (composite score 76.0), which is elevated versus much of the country. The strongest component scores on US5 are flood (78.2) and wildfire (64.9). 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 North Miami town, OK show little to no average snow.

IRS migration statistics show a net inflow of about 9 for ZIP 74358 (North Miami 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.