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Ponca City city, OK

ZIP 74601 — 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 74601

Median Home Value
$94,700
Median Rent
$573
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$608/mo PITI).

14%
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.

13.8 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 74601 in Ponca City city, OK, a household would need roughly $26,000 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 $608. That sits below the local median household income ($48,810), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
59.2%-9% vs US avg
x
Vacancy Rate
20.9%+103% vs US avg
x
Broadband Access
76.7%-12% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
12.4%-3% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
14.8%-70% vs US avg
x
Mortgage-Free
55.4%+45% vs US avg
x
$94,700
Home Value
$573
Rent
1959
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 detached81.2%
  • 1-unit attached1.6%
  • 2-9 units7.7%
  • 10+ units5.5%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$94,700
Median rent$573
Owner-occupied59.2%
Vacant20.9%
Price-to-income1.9x
Est. income to buy$26,000