74857 — Pottawatomie County, Oklahoma Market Snapshot
Housing market data for zip code 74857 in Pottawatomie County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$277,000
Days to Sell
26
Homes Sold
37
Inventory
26
Sale-to-List
95.9%
New Listings
39
Price/SqFt
$157
Pending Sales
41
Conforming Loan Available
Most homebuyers in 74857 can comfortably use conventional financing. The median home price of $277,000 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 74857 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 74857 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 74857 can comfortably use conventional financing. The median home price of $277,000 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 74857 are set at the county level.
2026 Loan Limits — Pottawatomie 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 74857
To purchase the median home at $277,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,272.
Monthly Payment
$2,272
Income Required
$97,384
Principal & Interest
$1,707/mo
Down Payment (5%)
$13,850
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 74857.
Estimated Monthly Payment
$1,864
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