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Fitzhugh town, OK

ZIP 74865 — 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 74865

Median Home Value
$125,000
Median Rent
$582
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$803/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.

17.9 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 74865 in Fitzhugh town, OK, a household would need roughly $34,000 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 $803. That sits below the local median household income ($61,944), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.1%+30% vs US avg
x
Vacancy Rate
16.1%+56% vs US avg
x
Broadband Access
74.3%-15% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
4.8%-63% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
9.6%-81% vs US avg
x
Mortgage-Free
54.7%+43% vs US avg
x
$125,000
Home Value
$582
Rent
1980
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 detached84.2%
  • 1-unit attached0.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other15.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$125,000
Median rent$582
Owner-occupied85.1%
Vacant16.1%
Price-to-income2.0x
Est. income to buy$34,000