74074 — Payne County, Oklahoma Market Snapshot
Housing market data for zip code 74074 in Payne County, Oklahoma. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Payne County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$482,300
Days to Sell
191
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 74074 can comfortably use conventional financing. The median home price of $482,300 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 191 days on average, 74074 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 74074 can comfortably use conventional financing. The median home price of $482,300 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 74074 are set at the county level.
2026 Loan Limits — Payne 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 74074
To purchase the median home at $482,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,845.
Monthly Payment
$3,845
Income Required
$164,796
Principal & Interest
$2,972/mo
Down Payment (5%)
$24,115
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 74074.
Estimated Monthly Payment
$3,135
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