73078 — Canadian County, Oklahoma Market Snapshot
Housing market data for zip code 73078 in Canadian County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
107 sales in 2026 (year to date)
Median Sale Price
$319,990
Days to Sell
71
Homes Sold
107
Inventory
137
Sale-to-List
99.1%
New Listings
108
Price/SqFt
$173
Pending Sales
118
Conforming Loan Available
Most homebuyers in 73078 can comfortably use conventional financing. The median home price of $319,990 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 71 days on average, 73078 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
Homes are selling very close to asking price in 73078 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 73078 can comfortably use conventional financing. The median home price of $319,990 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 73078 are set at the county level.
2026 Loan Limits — Canadian 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 73078
To purchase the median home at $319,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,602.
Monthly Payment
$2,602
Income Required
$111,500
Principal & Interest
$1,972/mo
Down Payment (5%)
$16,000
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 73078.
Estimated Monthly Payment
$2,130
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 73078. Tell us what you're looking for.