74820 — Pontotoc County, Oklahoma Market Snapshot
Housing market data for zip code 74820 in Pontotoc County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$215,000
Days to Sell
47
Homes Sold
109
Inventory
85
Sale-to-List
95.9%
New Listings
120
Price/SqFt
$138
Pending Sales
111
Conforming Loan Available
Most homebuyers in 74820 can comfortably use conventional financing. The median home price of $215,000 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
74820's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 74820 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74820 can comfortably use conventional financing. The median home price of $215,000 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 74820 are set at the county level.
2026 Loan Limits — Pontotoc 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 74820
To purchase the median home at $215,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,797.
Monthly Payment
$1,797
Income Required
$77,025
Principal & Interest
$1,325/mo
Down Payment (5%)
$10,750
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 74820.
Estimated Monthly Payment
$1,481
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