74873 — Pottawatomie County, Oklahoma Market Snapshot
Housing market data for zip code 74873 in Pottawatomie County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
33 sales in 2026 (year to date)
Median Sale Price
$167,500
Days to Sell
31
Homes Sold
33
Inventory
25
Sale-to-List
99.2%
New Listings
42
Price/SqFt
$123
Pending Sales
36
Conforming Loan Available
Most homebuyers in 74873 can comfortably use conventional financing. The median home price of $167,500 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
74873'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.
Sale-to-List Ratio
Homes are selling very close to asking price in 74873 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 74873 can comfortably use conventional financing. The median home price of $167,500 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 74873 are set at the county level.
2026 Loan Limits — Pottawatomie 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 74873
To purchase the median home at $167,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,433.
Monthly Payment
$1,433
Income Required
$61,428
Principal & Interest
$1,032/mo
Down Payment (5%)
$8,375
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 74873.
Estimated Monthly Payment
$1,187
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