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Ratliff City town, OK

ZIP 73481 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 73481

Median Home Value
$70,400
Median Rent
$481
Affordability Snapshot
$19,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$452/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 73481 in Ratliff City town, OK, a household would need roughly $19,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $452. That sits below the local median household income ($50,156), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
94.1%+44% vs US avg
x
Vacancy Rate
17.0%+65% vs US avg
x
Broadband Access
81.8%-6% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
6.6%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.0%-60% vs US avg
x
Mortgage-Free
75.1%+97% vs US avg
x
$70,400
Home Value
$481
Rent
1978
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other35.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$70,400
Median rent$481
Owner-occupied94.1%
Vacant17.0%
Price-to-income1.4x
Est. income to buy$19,000