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Muskogee city, OK

ZIP 74403 — 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 74403

Median Home Value
$145,400
Median Rent
$635
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$934/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.1 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 74403 in Muskogee city, OK, a household would need roughly $40,000 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 $934. That sits below the local median household income ($57,171), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
64.3%-2% vs US avg
x
Vacancy Rate
11.3%+10% vs US avg
x
Broadband Access
79.1%-9% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
45.2%+18% vs US avg
x
$145,400
Home Value
$635
Rent
1975
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 detached76.8%
  • 1-unit attached1.9%
  • 2-9 units7.1%
  • 10+ units9.3%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,400
Median rent$635
Owner-occupied64.3%
Vacant11.3%
Price-to-income2.5x
Est. income to buy$40,000