73165 — Cleveland County, Oklahoma Market Snapshot
Housing market data for zip code 73165 in Cleveland County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$430,000
Days to Sell
43
Homes Sold
38
Inventory
20
Sale-to-List
99.1%
New Listings
25
Price/SqFt
$173
Pending Sales
27
Conforming Loan Available
Most homebuyers in 73165 can comfortably use conventional financing. The median home price of $430,000 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
73165's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 73165 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 73165 can comfortably use conventional financing. The median home price of $430,000 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 73165 are set at the county level.
2026 Loan Limits — Cleveland 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 73165
To purchase the median home at $430,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,445.
Monthly Payment
$3,445
Income Required
$147,622
Principal & Interest
$2,650/mo
Down Payment (5%)
$21,500
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 73165.
Estimated Monthly Payment
$2,811
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