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McLoud city, OK

ZIP 74851 — 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 74851

Median Home Value
$159,600
Median Rent
$517
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,025/mo PITI).

8%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.7 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 74851 in McLoud city, OK, a household would need roughly $44,000 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 $1,025. That sits below the local median household income ($77,500), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
83.0%+27% vs US avg
x
Vacancy Rate
6.3%-38% vs US avg
x
Broadband Access
86.7%-0% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
3.6%-93% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$159,600
Home Value
$517
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached65.0%
  • 1-unit attached0.5%
  • 2-9 units3.7%
  • 10+ units0.6%
  • Mobile home & other30.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$159,600
Median rent$517
Owner-occupied83.0%
Vacant6.3%
Price-to-income2.1x
Est. income to buy$44,000