74954 — Sequoyah County, Oklahoma Market Snapshot
Housing market data for zip code 74954 in Sequoyah County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$174,450
Days to Sell
54
Homes Sold
10
Inventory
25
Sale-to-List
98.1%
New Listings
21
Price/SqFt
$136
Pending Sales
17
Conforming Loan Available
Most homebuyers in 74954 can comfortably use conventional financing. The median home price of $174,450 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
74954's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 74954 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74954 can comfortably use conventional financing. The median home price of $174,450 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 74954 are set at the county level.
2026 Loan Limits — Sequoyah 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 74954
To purchase the median home at $174,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,487.
Monthly Payment
$1,487
Income Required
$63,711
Principal & Interest
$1,075/mo
Down Payment (5%)
$8,723
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 74954.
Estimated Monthly Payment
$1,230
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