The 74V system on most locomotives generally ranges from about 65-75VDC with the engine running but is very "dirty" power with regards to spikes and frequency variances. I often run a tremendous amount of equipment onboard locomotives for testing and if you are designing something to run say a 12V coffee pot, once you figure out the load of the accessory then use ohms law and put the correct value resistor in the circuit. If you are trying to run something delicate like a laptop, there are companies out there that manufacture 74VDC to 74VDC filters, 74VDC to 110VAC, and 74VDC to 5,12,15VDC power supplies and inverters. They are not cheap.
Most locomotives built since 1980 or so have a 5,12, and 15V DC power supply on board inside the electrical locker but they NORMALLY will not stand up to much more than 1 amp of additional draw and it really sucks when you tie into it and turn on your accessory and kill the whole locomotive or consist and puts the train in emergency.
Also, never try to tie in the the AC system used for the accessory or excitation system (i.e. aux gen, exciter, etc) on units as in some places you can get pretty measure close to 110VAC but the frequency will go from anywhere from 40 to 200Hz and fry any "off the shelf" item made to run on household power.
Most EMD and GE locomotives have a 74VDC plug that will accept a normal household appliance plug somewhere inside the cab.
To give you some idea, filtered 110VAC inverter that can run reliabily off the 74VDC circuit is well over $1000 if you want to run something like a computer or TV off of. TecTronics of Canada is one source. You can find cheaper ones but they will not last or will burn up whatever you are trying to operate due to allowing spikes to pass through. IN short, for cheap 12V appliances, do the math and put a resistor. For expensive stuff, spend the money for a good quality 74 to 110 inverter.
Good luck!