74434 — Cherokee County, Oklahoma Market Snapshot
Housing market data for zip code 74434 in Cherokee County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$277,200
Days to Sell
58
Homes Sold
26
Inventory
26
Sale-to-List
97.5%
New Listings
34
Price/SqFt
$152
Pending Sales
24
Conforming Loan Available
Most homebuyers in 74434 can comfortably use conventional financing. The median home price of $277,200 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
74434's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 74434 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74434 can comfortably use conventional financing. The median home price of $277,200 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 74434 are set at the county level.
2026 Loan Limits — Cherokee County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 74434
To purchase the median home at $277,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,274.
Monthly Payment
$2,274
Income Required
$97,449
Principal & Interest
$1,708/mo
Down Payment (5%)
$13,860
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 74434.
Estimated Monthly Payment
$1,866
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