74039 — Creek County, Oklahoma Market Snapshot
Housing market data for zip code 74039 in Creek County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$223,084
Days to Sell
97
Homes Sold
18
Inventory
20
Sale-to-List
99.6%
New Listings
25
Price/SqFt
$155
Pending Sales
20
Conforming Loan Available
Most homebuyers in 74039 can comfortably use conventional financing. The median home price of $223,084 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 97 days on average, 74039 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 74039 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74039 can comfortably use conventional financing. The median home price of $223,084 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 74039 are set at the county level.
2026 Loan Limits — Creek 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 74039
To purchase the median home at $223,084 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,859.
Monthly Payment
$1,859
Income Required
$79,680
Principal & Interest
$1,375/mo
Down Payment (5%)
$11,154
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 74039.
Estimated Monthly Payment
$1,531
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