74401 — Muskogee County, Oklahoma Market Snapshot
Housing market data for zip code 74401 in Muskogee County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$202,000
Days to Sell
48
Homes Sold
32
Inventory
47
Sale-to-List
94.6%
New Listings
53
Price/SqFt
$105
Pending Sales
42
Conforming Loan Available
Most homebuyers in 74401 can comfortably use conventional financing. The median home price of $202,000 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
74401's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 74401 sells for 5.4% below asking price (94.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74401 can comfortably use conventional financing. The median home price of $202,000 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 74401 are set at the county level.
2026 Loan Limits — Muskogee 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 74401
To purchase the median home at $202,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,698.
Monthly Payment
$1,698
Income Required
$72,757
Principal & Interest
$1,245/mo
Down Payment (5%)
$10,100
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 74401.
Estimated Monthly Payment
$1,400
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