74437 — McIntosh County, Oklahoma Market Snapshot
Housing market data for zip code 74437 in McIntosh 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
$147,750
Days to Sell
44
Homes Sold
18
Inventory
26
Sale-to-List
96.2%
New Listings
26
Price/SqFt
$95
Pending Sales
21
Conforming Loan Available
Most homebuyers in 74437 can comfortably use conventional financing. The median home price of $147,750 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
74437's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 74437 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74437 can comfortably use conventional financing. The median home price of $147,750 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 74437 are set at the county level.
2026 Loan Limits — McIntosh 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 74437
To purchase the median home at $147,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,282.
Monthly Payment
$1,282
Income Required
$54,943
Principal & Interest
$910/mo
Down Payment (5%)
$7,388
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 74437.
Estimated Monthly Payment
$1,064
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