74851 — Lincoln County, Oklahoma Market Snapshot
Housing market data for zip code 74851 in Lincoln County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$236,900
Days to Sell
96
Homes Sold
35
Inventory
36
Sale-to-List
98.6%
New Listings
36
Price/SqFt
$149
Pending Sales
38
Conforming Loan Available
Most homebuyers in 74851 can comfortably use conventional financing. The median home price of $236,900 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 96 days on average, 74851 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 74851 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74851 can comfortably use conventional financing. The median home price of $236,900 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 74851 are set at the county level.
2026 Loan Limits — Lincoln 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 74851
To purchase the median home at $236,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,965.
Monthly Payment
$1,965
Income Required
$84,216
Principal & Interest
$1,460/mo
Down Payment (5%)
$11,845
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 74851.
Estimated Monthly Payment
$1,616
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