ZIP Code 74631

In ZIP code 74631, which covers Ponca City, median household income sits at $53,964 and per-capita income at $29,855, placing the area in working- to middle-income territory rather than among affluent communities. Homes carry a median value of $86,500, and the county-level property tax rate of 0.66% keeps annual property taxes on such a home near $571. Sales taxes are another matter: the combined rate of 10.75% is steep, adding noticeably to everyday purchases. Residents here face a mix of low housing costs and high consumption taxes, a combination that shapes daily spending more than property ownership does.