Best Places74845, OK Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 74845, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
74845 ranks 31,995th of 33,110 U.S. zip codes on the BestNeighborhood index. Health outcomes pulls hardest against it, while it scores best on state finances.
The best neighborhoods in 74845
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
74845's strengths and weaknesses
Where 74845 ranks high
- State fiscal healthBetter than 89% of zip codes
- Low property taxBetter than 85% of zip codes
- QuietBetter than 76% of zip codes
- Nice weatherabout 96 pleasant days a year, better than 60% of zip codes
- Tree shadeBetter than 56% of zip codes
Where 74845 ranks low
- Health outlookBetter than only 2% of zip codes
- Household income$43,636 median, better than only 3% of zip codes
- Heat safetyBetter than only 3% of zip codes
- School gradeD, better than only 7% of zip codes
- Cost of living vs incomeBetter than only 8% of zip codes
What it costs to buy a home in 74845
A household needs to earn about $26,000 a year to comfortably buy the median 74845 home, at 20% down and today's 30-year rate. That is below the area's own median income of $43,636, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 74845's effective rate of 0.47%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices, buying tends to cost more than renting for about the first 4 years, then pulls ahead as rent keeps rising and the mortgage builds equity. The chart tracks the running cost of each.
Who lives in 74845
74845 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 74845.
Who works in 74845, and how
Work in 74845 centers on construction and retail trade. Unemployment is close to the national rate, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 93%
- Work from home 5%
- Transit, walk, or bike 2%
Life in 74845
The map and measures below break down dining, culture, and green space by neighborhood across 74845.
What the weather is like in 74845, month by month
74845 sees roughly 96 pleasant days a year. July highs average about 94 degrees. January highs sit near 53, with lows near 31. The comfortable stretch runs March through May and October.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 53° | 41° | 31° |
| April | 75° | 62° | 52° |
| July | 94° | 82° | 73° |
| October | 77° | 64° | 53° |
Flying in and out of 74845
The nearest airport, Tulsa International, is about 68 miles away and is a small airport. The nearest major hub is Dallas Love Field, about 172 miles away.
The best schools in and around 74845
Schools across 74845 average a D, better than 7% of zip codes.
Top elementary schools
- Checotah Intermediate EsB− · 43% proficient
- Hanna EsD− · 15% proficient
- Ryal Public SchoolD− · 15% proficient
Top middle schools
- Checotah MsD · 22% proficient
Top high schools
- Hanna HsD+ · 25% proficient
- Graham-dustin High SchoolD+ · 25% proficient
- Checotah HsD− · 13% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 74845 school and its grade on SchoolGrade.
74845 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 74845 against the other 33,109 zip codes.
Common questions about living in 74845
Is 74845 a good place to live?
Using BestNeighborhood's default rankings, 74845 ranks 31,995th of 33,110 zip codes. It scores highest on state finances, low property taxes, and quiet, and lowest on health outcomes and low incomes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 74845 expensive to live in?
The median home is worth $106,000. The overall cost of living runs about 18% below the national average. Set against a $43,636 median income, cost of living beats 8% of zip codes.
Is 74845 safe?
74845 is safer than 18% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $578 per resident a year.
Compare 74845 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 74845. Scores are absolute rather than ranked, which means a 60 in 74845 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
74845 detail on BestNeighborhood maps:
- Walk Grade for 74845: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 74845: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 74845: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 74845: carrier by carrier coverage behind the cell score.
74845 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.