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North Miami town, OK

ZIP 74358 — 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 74358

Median Home Value
$57,300
Median Rent
$575
Affordability Snapshot
$16,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$368/mo PITI).

14%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.3 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 74358 in North Miami town, OK, a household would need roughly $16,000 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 $368. That sits below the local median household income ($47,917), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (23% built before 1939)

Owner Occupied
82.0%+25% vs US avg
x
Vacancy Rate
28.2%+174% vs US avg
x
Broadband Access
71.9%-17% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
22.6%+76% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
68.5%+79% vs US avg
x
$57,300
Home Value
$575
Rent
1956
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 detached81.5%
  • 1-unit attached0.0%
  • 2-9 units2.4%
  • 10+ units0.0%
  • Mobile home & other16.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$57,300
Median rent$575
Owner-occupied82.0%
Vacant28.2%
Price-to-income1.2x
Est. income to buy$16,000