74070 — Osage County, Oklahoma Market Snapshot
Housing market data for zip code 74070 in Osage County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
69 sales in 2026 (year to date)
Median Sale Price
$310,000
Days to Sell
87
Homes Sold
69
Inventory
44
Sale-to-List
98.8%
New Listings
62
Price/SqFt
$168
Pending Sales
71
Conforming Loan Available
Most homebuyers in 74070 can comfortably use conventional financing. The median home price of $310,000 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 87 days on average, 74070 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 74070 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74070 can comfortably use conventional financing. The median home price of $310,000 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 74070 are set at the county level.
2026 Loan Limits — Osage 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 74070
To purchase the median home at $310,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,525.
Monthly Payment
$2,525
Income Required
$108,219
Principal & Interest
$1,910/mo
Down Payment (5%)
$15,500
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 74070.
Estimated Monthly Payment
$2,069
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