74701 — Bryan County, Oklahoma Market Snapshot
Housing market data for zip code 74701 in Bryan County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
68 sales in 2026 (year to date)
Median Sale Price
$240,437
Days to Sell
53
Homes Sold
68
Inventory
103
Sale-to-List
97.3%
New Listings
94
Price/SqFt
$155
Pending Sales
68
Conforming Loan Available
Most homebuyers in 74701 can comfortably use conventional financing. The median home price of $240,437 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
74701's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 74701 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74701 can comfortably use conventional financing. The median home price of $240,437 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 74701 are set at the county level.
2026 Loan Limits — Bryan 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 74701
To purchase the median home at $240,437 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,992.
Monthly Payment
$1,992
Income Required
$85,378
Principal & Interest
$1,482/mo
Down Payment (5%)
$12,022
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 74701.
Estimated Monthly Payment
$1,638
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