ZIP Code 74650 — Ralston town, OK Demographics & Data

ZIP code 74650 covers Ralston, OK in Osage County with a population of about 568.

At a glance, the area shows median age of 35.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 539, 918; U.S. House district OK-3; the TULSA media market.

Median household income in ZIP 74650 is about $47,232 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.8%; unemployment rate near 4.7%; 4.8% of adults with a bachelor’s degree or higher (about 28.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 8.2% of workers reporting work-from-home (about 7.0 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 $58,800 — about 83% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 86.4% (about 21.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 74650 in Ralston, 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 $378. That sits below the local median household income ($47,232), 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 Ralston town, OK as Relatively Low (composite score 78.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (94.8) and flood (75.1). 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 Ralston town, OK show little to no average snow and around 37.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 23 for ZIP 74650 (Ralston 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.