73020 — Cleveland County, Oklahoma Market Snapshot
Housing market data for zip code 73020 in Cleveland County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
91 sales in 2026 (year to date)
Median Sale Price
$320,000
Days to Sell
29
Homes Sold
91
Inventory
111
Sale-to-List
98.7%
New Listings
150
Price/SqFt
$169
Pending Sales
114
Conforming Loan Available
Most homebuyers in 73020 can comfortably use conventional financing. The median home price of $320,000 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 73020 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 73020 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 73020 can comfortably use conventional financing. The median home price of $320,000 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 73020 are set at the county level.
2026 Loan Limits — Cleveland 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 73020
To purchase the median home at $320,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,602.
Monthly Payment
$2,602
Income Required
$111,503
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 73020.
Estimated Monthly Payment
$2,130
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