74881 — Logan County, Oklahoma Market Snapshot
Housing market data for zip code 74881 in Logan County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$255,000
Days to Sell
70
Homes Sold
19
Inventory
29
Sale-to-List
97.5%
New Listings
38
Price/SqFt
$160
Pending Sales
23
Conforming Loan Available
Most homebuyers in 74881 can comfortably use conventional financing. The median home price of $255,000 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
With homes sitting for 70 days on average, 74881 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 74881 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74881 can comfortably use conventional financing. The median home price of $255,000 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 74881 are set at the county level.
2026 Loan Limits — Logan 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 74881
To purchase the median home at $255,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,104.
Monthly Payment
$2,104
Income Required
$90,160
Principal & Interest
$1,571/mo
Down Payment (5%)
$12,750
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 74881.
Estimated Monthly Payment
$1,728
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