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Miami city, OK

ZIP 74354 — 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 74354

Median Home Value
$120,200
Median Rent
$578
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$772/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.3 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 74354 in Miami city, OK, a household would need roughly $33,000 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 $772. That sits below the local median household income ($49,668), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
62.8%-4% vs US avg
x
Vacancy Rate
12.8%+24% vs US avg
x
Broadband Access
82.1%-6% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
10.7%-16% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$120,200
Home Value
$578
Rent
1970
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached1.8%
  • 2-9 units4.7%
  • 10+ units7.3%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,200
Median rent$578
Owner-occupied62.8%
Vacant12.8%
Price-to-income2.4x
Est. income to buy$33,000