73089 — Grady County, Oklahoma Market Snapshot
Housing market data for zip code 73089 in Grady County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
74 sales in 2026 (year to date)
Median Sale Price
$313,700
Days to Sell
65
Homes Sold
74
Inventory
106
Sale-to-List
98.4%
New Listings
109
Price/SqFt
$169
Pending Sales
83
Conforming Loan Available
Most homebuyers in 73089 can comfortably use conventional financing. The median home price of $313,700 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 65 days on average, 73089 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
Homes are selling very close to asking price in 73089 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 73089 can comfortably use conventional financing. The median home price of $313,700 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 73089 are set at the county level.
2026 Loan Limits — Grady 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 73089
To purchase the median home at $313,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,553.
Monthly Payment
$2,553
Income Required
$109,434
Principal & Interest
$1,933/mo
Down Payment (5%)
$15,685
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 73089.
Estimated Monthly Payment
$2,091
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