74104 — Tulsa County, Oklahoma Market Snapshot
Housing market data for zip code 74104 in Tulsa County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$265,000
Days to Sell
27
Homes Sold
52
Inventory
46
Sale-to-List
95.8%
New Listings
74
Price/SqFt
$198
Pending Sales
58
Conforming Loan Available
Most homebuyers in 74104 can comfortably use conventional financing. The median home price of $265,000 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
Homes in 74104 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 74104 sells for 4.2% below asking price (95.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74104 can comfortably use conventional financing. The median home price of $265,000 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 74104 are set at the county level.
2026 Loan Limits — Tulsa 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 74104
To purchase the median home at $265,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,180.
Monthly Payment
$2,180
Income Required
$93,444
Principal & Interest
$1,633/mo
Down Payment (5%)
$13,250
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 74104.
Estimated Monthly Payment
$1,790
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