ZIP Code · OK

ZIP 74820

Part of Ada, OK

Pop. 31,943·Pontotoc County·90th most expensive ZIP in Oklahoma

Median rent (all units)

$1,027/mo

Year-over-Year

-1.0%

Month-over-Month

-1.0%

vs US Median

-$905

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 74820 · $1,027

More affordable than 97% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$730

1 BR

$790

2 BR

$1,040

3 BR

$1,290

4 BR+

$1,400

Research median

$1,040/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 74820 is 3.2% below its high of $1,061 in May 2026, at $1,027 as of September 2026.

Past year vs. the rest of Oklahoma

Rent in ZIP 74820 changed -1.0% over the year to September 2026. Across the 87 Oklahoma ZIP codes Zillow tracks, the typical change was +3.6%.

Recent direction

Rent has fallen 3 months in a row, and rose in 4 of the last 12 months.

What a typical income covers

30% of the median household income ($62,357) is $1,559 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,400).

From Zillow's monthly rent index (ZORI) for ZIP 74820. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$12,324/yr

At $1,027/mo median

Location

CityAda

StateOK

CountyPontotoc County

Rent Market Meter

Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are softening (down 1.0% YoY), so renters have negotiating leverage.

Based on rent-price momentum (-1.0% YoY, -1.0% MoM), not inventory.

Demographics

Who lives here

ZIP 74820 (Ada, OK) is majority owner-occupied, has a median income below the national average, 31.2% of residents hold a bachelor's degree or higher.

Population

31,943

Median income

$62,357

Median age

Renters

36.8%

Age distribution

24.9%

22.7%

24.3%

16.6%

Under 1824.9%

18–3422.7%

35–5424.3%

55–6411.5%

65+16.6%

Gender

48.6%

51.4%

Male48.6%

Female51.4%

Race & ethnicity

62.4%

26.5%

White62.4%

Black3%

Hispanic6.8%

Asian1.2%

Other26.5%

Education (25+)

32.2%

27.6%

31.2%

No HS diploma9%

HS diploma32.2%

Some college27.6%

Bachelor's+31.2%

Housing tenure

63.2%

36.8%

Owner63.2%

Renter36.8%

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

2023 vs 2026

How ZIP 74820 in Ada, OK has changed in 5 years

Rent

$914 → $1,027

up 12.4%

Income

$55,504 → $62,357

up 12.3%

Population

30,898 → 31,943

up 3.4%

Renter share

39% → 36.8%

-2.2 pts

Bachelor's+

30.5% → 31.2%

+0.7 pts

Median age

35.2 → 37

+1.8 yrs

Across the past five years, the going rent in ZIP 74820 in Ada, OK has shifted from $914 to $1,027, up 12.4% since 2023. Median household income climbed from $55,504 to $62,357 between 2021 and 2024, a 12.3% shift. Census counts show ZIP 74820 in Ada, OK adding about 1,045 residents over the five-year window, up 3.4% on net. The renter share has eased from 39% to 36.8%, with owner-occupied housing accounting for the remainder. Taken together, the five-year picture in ZIP 74820 in Ada, OK reflects how housing costs and the people paying them have evolved through a stretch that included a pandemic, a hot rental market, and a recent cooling phase.

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About renting in ZIP 74820

Last updated: October 17, 2026

ZIP code 74820 covers Ada, OK. The median rent here is $1,027/mo as of October 2026. A 1-bedroom rents for a median of $790/mo. A 2-bedroom rents for a median of $1,040/mo.

At 20% of local median household income ($62,357/yr), ZIP 74820 ranks as affordable compared to the national benchmark of 30%. Rents have decreased 1.0% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 74820?

To keep rent at or below 30% of gross income, you would need to earn at least $41,000/year (about $20/hour full-time) to afford the median rent of $1,027/mo in ZIP 74820. The local median household income is $62,357/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 74820?

Rent in ZIP 74820 has fallen 1.0% over the past year as of September 2026. It sits 3.2% below its high of $1,061 in May 2026.

How does ZIP 74820 compare to other ZIPs in Oklahoma?

ZIP 74820 is one of the more affordable among Oklahoma ZIP codes for rent, ranking #90 of 99 at $1,027/mo. Over the year to September 2026, rent in ZIP 74820 changed -1.0%, against a typical +3.6% across the 87 Oklahoma ZIP codes Zillow tracks.