73644 — Custer County, Oklahoma Market Snapshot
Housing market data for zip code 73644 in Custer County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$192,000
Days to Sell
90
Homes Sold
39
Inventory
50
Sale-to-List
94.7%
New Listings
48
Price/SqFt
$114
Pending Sales
44
Conforming Loan Available
Most homebuyers in 73644 can comfortably use conventional financing. The median home price of $192,000 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
With homes sitting for 90 days on average, 73644 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
The average home in 73644 sells for 5.3% below asking price (94.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 73644 can comfortably use conventional financing. The median home price of $192,000 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 73644 are set at the county level.
2026 Loan Limits — Custer 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 73644
To purchase the median home at $192,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,621.
Monthly Payment
$1,621
Income Required
$69,473
Principal & Interest
$1,183/mo
Down Payment (5%)
$9,600
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 73644.
Estimated Monthly Payment
$1,338
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