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Clayton town, OK

ZIP 74536 — 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 74536

Median Home Value
$114,400
Median Rent
$286
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$735/mo PITI).

9%
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.

33.3 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 74536 in Clayton town, OK, a household would need roughly $31,000 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 $735. That sits below the local median household income ($39,712), 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 27% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.0%+7% vs US avg
x
Vacancy Rate
27.5%+167% vs US avg
x
Broadband Access
68.5%-21% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
24.9%-50% vs US avg
x
Mortgage-Free
78.3%+105% vs US avg
x
$114,400
Home Value
$286
Rent
1983
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 detached66.1%
  • 1-unit attached0.3%
  • 2-9 units9.6%
  • 10+ units3.3%
  • Mobile home & other20.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$114,400
Median rent$286
Owner-occupied70.0%
Vacant27.5%
Price-to-income2.9x
Est. income to buy$31,000