74003 — Osage County, Oklahoma Market Snapshot
Housing market data for zip code 74003 in Osage County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
49 sales in 2026 (year to date)
Median Sale Price
$132,000
Days to Sell
22
Homes Sold
49
Inventory
38
Sale-to-List
97.1%
New Listings
77
Price/SqFt
$99
Pending Sales
72
Conforming Loan Available
Most homebuyers in 74003 can comfortably use conventional financing. The median home price of $132,000 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
Homes in 74003 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 74003 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74003 can comfortably use conventional financing. The median home price of $132,000 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 74003 are set at the county level.
2026 Loan Limits — Osage 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 74003
To purchase the median home at $132,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,161.
Monthly Payment
$1,161
Income Required
$49,772
Principal & Interest
$813/mo
Down Payment (5%)
$6,600
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 74003.
Estimated Monthly Payment
$967
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