74843 — Pontotoc County, Oklahoma Market Snapshot
Housing market data for zip code 74843 in Pontotoc County, Oklahoma. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Pontotoc County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$172,487
Days to Sell
31
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 74843 can comfortably use conventional financing. The median home price of $172,487 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
74843's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 74843 can comfortably use conventional financing. The median home price of $172,487 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 74843 are set at the county level.
2026 Loan Limits — Pontotoc 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 74843
To purchase the median home at $172,487 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,472.
Monthly Payment
$1,472
Income Required
$63,066
Principal & Interest
$1,063/mo
Down Payment (5%)
$8,624
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 74843.
Estimated Monthly Payment
$1,217
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