74631 — Kay County, Oklahoma Market Snapshot
Housing market data for zip code 74631 in Kay County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$84,500
Days to Sell
77
Homes Sold
22
Inventory
24
Sale-to-List
91.4%
New Listings
21
Price/SqFt
$62
Pending Sales
24
Conforming Loan Available
Most homebuyers in 74631 can comfortably use conventional financing. The median home price of $84,500 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 77 days on average, 74631 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 74631 sells for 8.6% below asking price (91.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74631 can comfortably use conventional financing. The median home price of $84,500 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 74631 are set at the county level.
2026 Loan Limits — Kay 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 74631
To purchase the median home at $84,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $797.
Monthly Payment
$797
Income Required
$34,175
Principal & Interest
$521/mo
Down Payment (5%)
$4,225
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 74631.
Estimated Monthly Payment
$673
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