73533 — Cotton County, Oklahoma Market Snapshot
Housing market data for zip code 73533 in Cotton County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
88 sales in 2026 (year to date)
Median Sale Price
$198,500
Days to Sell
101
Homes Sold
88
Inventory
168
Sale-to-List
97.3%
New Listings
138
Price/SqFt
$106
Pending Sales
113
Conforming Loan Available
Most homebuyers in 73533 can comfortably use conventional financing. The median home price of $198,500 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
With homes sitting for 101 days on average, 73533 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 73533 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 73533 can comfortably use conventional financing. The median home price of $198,500 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 73533 are set at the county level.
2026 Loan Limits — Cotton 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 73533
To purchase the median home at $198,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,671.
Monthly Payment
$1,671
Income Required
$71,607
Principal & Interest
$1,223/mo
Down Payment (5%)
$9,925
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 73533.
Estimated Monthly Payment
$1,378
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