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Okay town, OK

ZIP 74446 — 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 74446

Median Home Value
$73,300
Median Rent
$700
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$471/mo PITI).

21%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

8.7 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 74446 in Okay town, OK, a household would need roughly $20,000 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 $471. That sits below the local median household income ($39,327), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.5%+23% vs US avg
x
Vacancy Rate
24.2%+135% vs US avg
x
Broadband Access
79.3%-9% vs US avg
x
4+ Bedrooms
0.5%-97% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
24.2%-51% vs US avg
x
Mortgage-Free
66.2%+73% vs US avg
x
$73,300
Home Value
$700
Rent
1988
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached50.2%
  • 1-unit attached0.0%
  • 2-9 units1.8%
  • 10+ units0.0%
  • Mobile home & other48.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$73,300
Median rent$700
Owner-occupied80.5%
Vacant24.2%
Price-to-income1.9x
Est. income to buy$20,000