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Osage town, OK

ZIP 74054 — 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 74054

Median Home Value
$72,500
Median Rent
$375
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$466/mo PITI).

10%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 74054 in Osage town, OK, a household would need roughly $20,000 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 $466. That sits below the local median household income ($46,607), 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
79.7%+22% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
69.5%-20% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.5%-87% vs US avg
x
Mortgage-Free
75.3%+97% vs US avg
x
$72,500
Home Value
$375
Rent
1980
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 detached69.8%
  • 1-unit attached0.0%
  • 2-9 units0.5%
  • 10+ units0.8%
  • Mobile home & other28.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$72,500
Median rent$375
Owner-occupied79.7%
Vacant16.9%
Price-to-income1.6x
Est. income to buy$20,000