74058 — Osage County, Oklahoma Market Snapshot
Housing market data for zip code 74058 in Osage County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$136,500
Days to Sell
141
Homes Sold
11
Inventory
15
Sale-to-List
96.8%
New Listings
9
Price/SqFt
$88
Pending Sales
11
Conforming Loan Available
Most homebuyers in 74058 can comfortably use conventional financing. The median home price of $136,500 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 141 days on average, 74058 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 74058 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74058 can comfortably use conventional financing. The median home price of $136,500 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 74058 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 74058
To purchase the median home at $136,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,196.
Monthly Payment
$1,196
Income Required
$51,249
Principal & Interest
$841/mo
Down Payment (5%)
$6,825
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 74058.
Estimated Monthly Payment
$995
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