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Paden town, OK

ZIP 74860 — 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 74860

Median Home Value
$120,200
Median Rent
$525
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$772/mo PITI).

11%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.1 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 74860 in Paden town, OK, a household would need roughly $33,000 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 $772. That sits below the local median household income ($59,615), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.9%+31% vs US avg
x
Vacancy Rate
16.5%+60% vs US avg
x
Broadband Access
78.2%-10% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
3.2%-75% vs US avg
x
Built Post-2014
5.0%-27% vs US avg
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
59.0%+54% vs US avg
x
$120,200
Home Value
$525
Rent
1985
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached75.6%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other24.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,200
Median rent$525
Owner-occupied85.9%
Vacant16.5%
Price-to-income2.0x
Est. income to buy$33,000