ZIP Code · OK

ZIP 74074

Part of Stillwater, OK

Pop. 32,422·Payne County·29th most expensive ZIP in Oklahoma

Median rent (all units)

$1,449/mo

Year-over-Year

+7.0%

Month-over-Month

-0.3%

vs US Median

-$483

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 74074 · $1,449

More affordable than 77% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$870

1 BR

$940

2 BR

$1,150

3 BR

$1,600

4 BR+

$1,740

Research median

$1,150/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 74074 is 0.3% below its high of $1,454 in August 2026, at $1,449 as of September 2026.

Past year vs. the rest of Oklahoma

Rent in ZIP 74074 changed +7.0% over the year to September 2026. Across the 87 Oklahoma ZIP codes Zillow tracks, the typical change was +3.6%.

Recent direction

Rent rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($52,998) is $1,325 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,150); a 3-bedroom is $1,600.

From Zillow's monthly rent index (ZORI) for ZIP 74074. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,388/yr

At $1,449/mo median

Location

CityStillwater

StateOK

CountyPayne County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 7.0% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+7.0% YoY, -0.3% MoM), not inventory.

Demographics

Who lives here

ZIP 74074 (Stillwater, OK) is roughly split between renters and owners, skews toward younger working-age adults, has a median income below the national average, 49.4% of residents hold a bachelor's degree or higher.

Population

32,422

Median income

$52,998

Median age

27.3

Renters

51%

Age distribution

18.8%

40.3%

20.3%

12.1%

Under 1818.8%

18–3440.3%

35–5420.3%

55–648.5%

65+12.1%

Gender

50.7%

49.3%

Male50.7%

Female49.3%

Race & ethnicity

77.7%

White77.7%

Black3.7%

Hispanic7.2%

Asian3.5%

Other7.9%

Education (25+)

18.4%

28.6%

49.4%

No HS diploma3.6%

HS diploma18.4%

Some college28.6%

Bachelor's+49.4%

Housing tenure

49%

51%

Owner49%

Renter51%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 74074 in Stillwater, OK has changed in 5 years

Rent

$1,147 → $1,449

up 26.3%

Income

$48,528 → $52,998

up 9.2%

Population

32,123 → 32,422

up 0.9%

Renter share

49.4% → 51%

+1.6 pts

Bachelor's+

49.5% → 49.4%

-0.1 pts

Median age

26.2 → 27.3

+1.1 yrs

Across the past five years, the going rent in ZIP 74074 in Stillwater, OK has shifted from $1,147 to $1,449, up 26.3% since 2023. Local incomes tracked alongside that move, going from a median of $48,528 in 2021 to $52,998 more recently. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. The renter share has risen from 49.4% to 51%, with owner-occupied housing accounting for the remainder. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 74074 in Stillwater, OK market of 2023.

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Local insights

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About renting in ZIP 74074

Last updated: October 17, 2026

ZIP code 74074 covers Stillwater, OK. The median rent here is $1,449/mo as of October 2026. A 1-bedroom rents for a median of $940/mo. A 2-bedroom rents for a median of $1,150/mo.

At 33% of local median household income ($52,998/yr), ZIP 74074 ranks as moderate compared to the national benchmark of 30%. Rents have increased 7.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 74074?

To keep rent at or below 30% of gross income, you would need to earn at least $58,000/year (about $28/hour full-time) to afford the median rent of $1,449/mo in ZIP 74074. The local median household income is $52,998/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 74074?

Rent in ZIP 74074 has risen 7.0% over the past year as of September 2026. It sits 0.3% below its high of $1,454 in August 2026.

How does ZIP 74074 compare to other ZIPs in Oklahoma?

ZIP 74074 is one of the pricier among Oklahoma ZIP codes for rent, ranking #29 of 99 at $1,449/mo. Over the year to September 2026, rent in ZIP 74074 changed +7.0%, against a typical +3.6% across the 87 Oklahoma ZIP codes Zillow tracks.