73738 — Garfield County, Oklahoma Market Snapshot
Housing market data for zip code 73738 in Garfield County, Oklahoma. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Garfield County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$58,200
Days to Sell
100
Homes Sold
2
Inventory
4
Conforming Loan Available
Most homebuyers in 73738 can comfortably use conventional financing. The median home price of $58,200 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
With homes sitting for 100 days on average, 73738 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 73738 can comfortably use conventional financing. The median home price of $58,200 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 73738 are set at the county level.
2026 Loan Limits — Garfield 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 73738
To purchase the median home at $58,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $596.
Monthly Payment
$596
Income Required
$25,539
Principal & Interest
$359/mo
Down Payment (5%)
$2,910
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 73738.
Estimated Monthly Payment
$510
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