74864 — Lincoln County, Oklahoma Market Snapshot
Housing market data for zip code 74864 in Lincoln 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
$160,000
Days to Sell
73
Homes Sold
18
Inventory
17
Sale-to-List
94.8%
New Listings
11
Price/SqFt
$117
Pending Sales
19
Conforming Loan Available
Most homebuyers in 74864 can comfortably use conventional financing. The median home price of $160,000 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 73 days on average, 74864 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 74864 sells for 5.2% below asking price (94.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74864 can comfortably use conventional financing. The median home price of $160,000 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 74864 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 74864
To purchase the median home at $160,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,376.
Monthly Payment
$1,376
Income Required
$58,966
Principal & Interest
$986/mo
Down Payment (5%)
$8,000
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 74864.
Estimated Monthly Payment
$1,140
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