74436 — Okmulgee County, Oklahoma Market Snapshot
Housing market data for zip code 74436 in Okmulgee 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
$199,975
Days to Sell
73
Homes Sold
24
Inventory
13
Sale-to-List
99.5%
New Listings
12
Price/SqFt
$165
Pending Sales
20
Conforming Loan Available
Most homebuyers in 74436 can comfortably use conventional financing. The median home price of $199,975 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, 74436 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 74436 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74436 can comfortably use conventional financing. The median home price of $199,975 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 74436 are set at the county level.
2026 Loan Limits — Okmulgee 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 74436
To purchase the median home at $199,975 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,682.
Monthly Payment
$1,682
Income Required
$72,092
Principal & Interest
$1,232/mo
Down Payment (5%)
$9,999
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 74436.
Estimated Monthly Payment
$1,388
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