Population & age
- Total population
- 455
- Median age
- 19.0
Stillwater, OK (74078)
Payne County · Population 455
Fresh.Data current as of Apr 24, 2026
Stillwater, OK (ZIP 74078) sits in Payne County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in below the national average at 11.5%. No NCES schools are mapped to this ZIP in the current dataset. 8 colleges and universities serve the area, with median in-state tuition of $10,234. Local establishments report average pay of $29,954 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $52,066 per worker, roughly 20% below the US average. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags housing & transportation (91th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 42th-percentile score. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. 25.3% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Oklahoma County, OK (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,130 for a two-bedroom and 60.6% of workers working from home. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 65.3%
- Black
- 2.0%
- Asian
- 5.7%
- Hispanic / Latino
- 3.3%
- Other / multi-racial
- 22.2%
Education
- Bachelor's degree or higher (age 25+)
- 100.0%
Employment
- Unemployment rate
- 14.5%
Housing
- Owner-occupied
- 0
- Renter-occupied
- 0
- Vacant units
- 19
Commute
- Public transit
- 0(0.0%)
- Work from home
- 43(60.6%)
Economic wellbeing
- Below poverty line
- 0
- Uninsured
- 15(3.3%)
Digital access
- Broadband access
- 0
Language & nativity
- Foreign-born
- 17(3.7%)
- Non-English at home
- 80(17.6%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$850
/month
1 Bed
$920
/month
2 Bed
$1,130
/month
3 Bed
$1,560
/month
4 Bed
$1,710
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
145
Across 133 permitted buildings. Total construction value: $33.7M.
Single-family
131
90% of total units
Multifamily (2+ unit)
14
10% of total units
Single-family value
$31.3M
construction value
Multifamily value
$2.4M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Business & employment
Business establishments
9
Total employment
151
Annual payroll
$4.5M
Average annual pay
$29,954
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$52,066
Average weekly wage
$1,001
Total employment
35,198
Total establishments
2,318
That is roughly 20% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.2%
That is 0.8 percentage points below the US national unemployment rate of about 4.0%.
Labor force
40,638
Employed
39,346
Unemployed
1,292
Based on Payne County, OK data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$93.8M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
- 1.Simmons Bank$93.8M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federal Disaster Declarations
Federally Declared Disasters
39
Date Range
1974–2025
Most Recent Declaration
WILDFIRES AND STRAIGHT-LINE WINDS
Fire — declared May 21, 2025 (DR-4866)
Incident period: March 14, 2025 – March 21, 2025
Top Incident Types
- Fire11 (28%)
- Severe Storm10 (26%)
- Severe Ice Storm9 (23%)
- Flood4 (10%)
- Biological2 (5%)
- Other3 (8%)
Individual Assistance
10
Direct help to disaster survivors
Households Program
6
Housing & temporary lodging support
Public Assistance
36
Repair of public facilities & roads
Hazard Mitigation
15
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
59.6°F
46.9° – 72.2°
Annual precipitation
36.7"
Annual snowfall
7.5"
Heating · cooling days
3,816.6 · 1,869.2
Annual base 65°F
Nearest station: STILLWATER 2 W, OK US, 1 miles from the centroid of Stillwater, OK (ZIP 74078)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
9,054
That is roughly 854 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
20%
of adults self-report
Poor physical health days
4.6
avg per adult per month
Poor mental health days
6.0
avg per adult per month
Uninsured
14.4%
of residents under 65
Primary care MDs
46
per 100,000 residents
Preventable hospital stays
2,385
per 100K Medicare enrollees
Food environment (0-10)
6.7
10 = best access & security
Exercise access
76%
residents near a facility
Flu vaccinated
49%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.6% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Payne data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Significant food access concerns
25.3% of Payne County, OK residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.06
per 1,000 residents
Supercenters & clubs
0.04
per 1,000 residents
SNAP-authorized stores
0.79
accepting food benefits
Fast-food restaurants
0.80
per 1,000 residents
Among low-income residents, 10.7% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Payne County, OK for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 27 reports
Property crime rate
—
per 100K residents · 165 reports
Homicide
0
Robbery
1
Burglary
46
Vehicle theft
22
County-level data for Payne (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−153 people
−246 households • −$20.3M net AGI flow
Moved in
3,482households
5,881 people • $166.8M AGI
Moved out
3,728households
6,034 people • $187.1M AGI
Where new residents came from
- Oklahoma County, OK — 228 households
- Tulsa County, OK — 197 households
- Lincoln County, OK — 95 households
- Creek County, OK — 87 households
- Noble County, OK — 74 households
Where departing residents went
- Oklahoma County, OK — 341 households
- Tulsa County, OK — 268 households
- Lincoln County, OK — 100 households
- Creek County, OK — 93 households
- Cleveland County, OK — 77 households
Incoming households reported an average AGI of $47,918 versus departing households' $50,200.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Oklahoma
State-level rules that apply to every resident of ZIP 74078. Numbers reflect the most recent published year per source.
Tax rates
Income tax
4.75%
graduated · 6 brackets
Sales tax (combined)
9.06%
State 4.50% · avg local 4.56%
Property tax (effective)
0.62%
Median $1,105/year
Tax burden rank
6 of 50
8.80% of personal income
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
130% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 74078
Other ZIPs in Stillwater
Nearby ZIPs by distance
74077 (Stillwater, 0.6 mi) · 74075 (Stillwater, 3 mi) · 74074 (Stillwater, 3.3 mi) · 74059 (Perkins, 10.6 mi) · 74032 (Glencoe, 11.6 mi) · 74062 (Ripley, 11.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
25.8%
7.2pp below the 33.0% national rate.
High Blood Pressure
11.5%
20.5pp below the 32.0% national rate.
Depression
30.3%
8.3pp above the 22.0% national rate.
Annual Checkup
68.1%
7.9pp below the 76.0% national rate.
Health Insurance
10.0%
3.0pp below the 13.0% national rate.
Diabetes
1.5%
9.5pp below the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
8
Median in-state tuition
$10,234
Median earnings (10 yr)
$36,351
- 4-Year
Oklahoma State University-Main Campus
Stillwater, OK · 74078
- In-state tuition
- $10,234
- Out-of-state tuition
- $25,754
- Acceptance rate
- 75.0%
- Graduation rate
- 67.0%
- Median earnings (10 yr)
- $57,413
- Median student debt
- $20,500
- 4-Year
Rogers State University
Claremore, OK · 74017
- In-state tuition
- $7,750
- Out-of-state tuition
- $16,410
- Acceptance rate
- —
- Graduation rate
- 27.2%
- Median earnings (10 yr)
- $43,166
- Median student debt
- $20,500
- 4-Year
Oklahoma Wesleyan University
Bartlesville, OK · 74006
- In-state tuition
- $33,550
- Out-of-state tuition
- $33,550
- Acceptance rate
- 66.2%
- Graduation rate
- 31.5%
- Median earnings (10 yr)
- $59,841
- Median student debt
- $24,813
- Certificate
Central Technology Center
Drumright, OK · 74030
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 89.4%
- Median earnings (10 yr)
- $36,351
- Median student debt
- —
- 2-Year
Meridian Technology Center
Stillwater, OK · 74074
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 47.6%
- Median earnings (10 yr)
- $34,451
- Median student debt
- —
- Certificate
Jenks Beauty College
Jenks, OK · 74037
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 79.7%
- Median earnings (10 yr)
- $21,406
- Median student debt
- $5,852
- Certificate
Broken Arrow Beauty College
Broken Arrow, OK · 74012
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 81.8%
- Median earnings (10 yr)
- $23,722
- Median student debt
- $6,333
- Certificate
Hello Gorgeous Barbers Stillwater's School of Barbering
Stillwater, OK · 74074
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- —
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Stillwater, OK (ZIP 74078) sits in Payne County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in below the national average at 11.5%. No NCES schools are mapped to this ZIP in the current dataset. 8 colleges and universities serve the area, with median in-state tuition of $10,234. Local establishments report average pay of $29,954 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $52,066 per worker, roughly 20% below the US average. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags housing & transportation (91th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 42th-percentile score. FEMA has issued 39 federal disaster declarations affecting this ZIP since 1974 — a high-frequency exposure profile. 25.3% of residents in this county are flagged low-access by USDA's 2025 Food Environment Atlas — a notable supermarket-access gap. New residents arriving here predominantly come from Oklahoma County, OK (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $1,130 for a two-bedroom and 60.6% of workers working from home. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 30.3%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 74078
What is the obesity rate in ZIP 74078?
25.8%, which is 7.2 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 74078?
30.3%, which is 8.3 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 74078?
11.5%, which is 20.5 percentage points below the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 74078?
455 people live in ZIP 74078, with a median age of 19.0 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 74078?
In ZIP 74078, 60.6% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How many businesses are in ZIP 74078?
As of 2022, 9 business establishments operated in ZIP 74078 employing 151 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 74078?
The average annual pay across all local establishments in ZIP 74078 is $29,954, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 74078 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 74078 ranks in the 42th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 74078?
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 74078, ranking in the 91th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 74078 experienced?
FEMA has recorded 39 federal disaster declarations affecting ZIP 74078 between 1974–2025 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 74078?
Fire is the most common federally declared disaster type affecting ZIP 74078, accounting for 11 of 39 declarations (28%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 74078?
The most recent FEMA disaster declaration affecting ZIP 74078 was "WILDFIRES AND STRAIGHT-LINE WINDS" — a fire declared in 2025 (DR-4866) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 74078?
8 colleges and universities are listed near ZIP 74078 by the U.S. Department of Education College Scorecard, including Oklahoma State University-Main Campus, Rogers State University, and Oklahoma Wesleyan University (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 74078?
Median in-state tuition across 8 nearby institutions is $10,234 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 74078?
Graduates of nearby colleges earn a median of $36,351 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 74078?
ZIP 74078 has an average annual temperature of 59.6°F and 36.7" of annual precipitation based on the STILLWATER 2 W, OK US weather station 1.0 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 74078?
Oklahoma has a graduated income tax with a top rate of 4.75%. Combined sales tax: 9.06% (Tax Foundation 2025).
Does Oklahoma have paid family leave?
Oklahoma has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 74078?
This page covers health outcomes from CDC PLACES (37 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (8 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (39 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (39 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 74078
Other ZIPs in Stillwater
Nearby ZIPs by distance
74077 (Stillwater, 0.6 mi) · 74075 (Stillwater, 3 mi) · 74074 (Stillwater, 3.3 mi) · 74059 (Perkins, 10.6 mi) · 74032 (Glencoe, 11.6 mi) · 74062 (Ripley, 11.7 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 74078?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
42nd percentile
Moderate Vulnerability
Based on 1 census tract, population 1,145
Vulnerability Themes
Households Without Vehicle
10
Limited English Speakers
13
Persons with Disability
50
Without HS Diploma
1
Without Health Insurance
48
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.