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Commerce city, OK

ZIP 74339 — 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 74339

Median Home Value
$72,000
Median Rent
$494
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$463/mo PITI).

17%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.1 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 74339 in Commerce city, 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 $463. That sits below the local median household income ($35,893), 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 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.8%-1% vs US avg
x
Vacancy Rate
18.6%+81% vs US avg
x
Broadband Access
79.9%-8% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
10.0%-22% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.0%-34% vs US avg
x
Mortgage-Free
53.4%+40% vs US avg
x
$72,000
Home Value
$494
Rent
1959
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached80.2%
  • 1-unit attached1.5%
  • 2-9 units8.0%
  • 10+ units4.8%
  • Mobile home & other5.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$72,000
Median rent$494
Owner-occupied64.8%
Vacant18.6%
Price-to-income2.0x
Est. income to buy$20,000