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Stroud city, OK

ZIP 74028 — 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 74028

Median Home Value
$171,800
Median Rent
$556
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,104/mo PITI).

13%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.7 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 74028 in Stroud city, OK, a household would need roughly $47,000 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 $1,104. That sits below the local median household income ($52,708), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.3%+23% vs US avg
x
Vacancy Rate
15.6%+51% vs US avg
x
Broadband Access
81.0%-7% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
3.2%-94% vs US avg
x
Mortgage-Free
70.5%+85% vs US avg
x
$171,800
Home Value
$556
Rent
1984
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached66.0%
  • 1-unit attached1.4%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other32.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,800
Median rent$556
Owner-occupied80.3%
Vacant15.6%
Price-to-income3.3x
Est. income to buy$47,000