73120 — Oklahoma County, Oklahoma Market Snapshot
Housing market data for zip code 73120 in Oklahoma County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$136,000
Days to Sell
53
Homes Sold
25
Inventory
34
Sale-to-List
97.4%
New Listings
25
Price/SqFt
$119
Pending Sales
22
Conforming Loan Available
Most homebuyers in 73120 can comfortably use conventional financing. The median home price of $136,000 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
73120's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 73120 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 73120 can comfortably use conventional financing. The median home price of $136,000 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 73120 are set at the county level.
2026 Loan Limits — Oklahoma 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 73120
To purchase the median home at $136,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,192.
Monthly Payment
$1,192
Income Required
$51,085
Principal & Interest
$838/mo
Down Payment (5%)
$6,800
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 73120.
Estimated Monthly Payment
$992
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