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Muskogee city, OK

ZIP 74401 — 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 74401

Median Home Value
$122,300
Median Rent
$597
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$786/mo PITI).

18%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

17.1 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 74401 in Muskogee city, OK, a household would need roughly $34,000 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 $786. That sits below the local median household income ($39,767), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.0%-16% vs US avg
x
Vacancy Rate
14.2%+37% vs US avg
x
Broadband Access
69.4%-20% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
29.9%-40% vs US avg
x
Mortgage-Free
57.1%+50% vs US avg
x
$122,300
Home Value
$597
Rent
1971
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 detached74.1%
  • 1-unit attached1.4%
  • 2-9 units7.8%
  • 10+ units9.8%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$122,300
Median rent$597
Owner-occupied55.0%
Vacant14.2%
Price-to-income3.1x
Est. income to buy$34,000