74464 — Cherokee County, Oklahoma Market Snapshot
Housing market data for zip code 74464 in Cherokee County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
63 sales in 2026 (year to date)
Median Sale Price
$246,500
Days to Sell
27
Homes Sold
63
Inventory
91
Sale-to-List
98.0%
New Listings
112
Price/SqFt
$152
Pending Sales
71
Conforming Loan Available
Most homebuyers in 74464 can comfortably use conventional financing. The median home price of $246,500 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
Homes in 74464 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 74464 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74464 can comfortably use conventional financing. The median home price of $246,500 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 74464 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 74464
To purchase the median home at $246,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,039.
Monthly Payment
$2,039
Income Required
$87,369
Principal & Interest
$1,519/mo
Down Payment (5%)
$12,325
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 74464.
Estimated Monthly Payment
$1,676
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