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Morris city, OK

ZIP 74445 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 74445

Median Home Value
$184,200
Median Rent
$588
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,183/mo PITI).

11%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.1 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 74445 in Morris city, OK, a household would need roughly $51,000 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 $1,183. That sits below the local median household income ($63,784), 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
69.8%+7% vs US avg
x
Vacancy Rate
13.4%+30% vs US avg
x
Broadband Access
86.8%-0% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$184,200
Home Value
$588
Rent
1983
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 detached78.0%
  • 1-unit attached0.0%
  • 2-9 units9.4%
  • 10+ units0.3%
  • Mobile home & other12.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$184,200
Median rent$588
Owner-occupied69.8%
Vacant13.4%
Price-to-income2.9x
Est. income to buy$51,000