74834 — Lincoln County, Oklahoma Market Snapshot
Housing market data for zip code 74834 in Lincoln County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$226,478
Days to Sell
73
Homes Sold
24
Inventory
32
Sale-to-List
98.7%
New Listings
43
Price/SqFt
$143
Pending Sales
40
Conforming Loan Available
Most homebuyers in 74834 can comfortably use conventional financing. The median home price of $226,478 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 73 days on average, 74834 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 74834 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74834 can comfortably use conventional financing. The median home price of $226,478 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 74834 are set at the county level.
2026 Loan Limits — Lincoln 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 74834
To purchase the median home at $226,478 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,885.
Monthly Payment
$1,885
Income Required
$80,795
Principal & Interest
$1,395/mo
Down Payment (5%)
$11,324
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 74834.
Estimated Monthly Payment
$1,552
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