74135 — Tulsa County, Oklahoma Market Snapshot
Housing market data for zip code 74135 in Tulsa County, Oklahoma. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$287,050
Days to Sell
27
Homes Sold
80
Inventory
51
Sale-to-List
96.6%
New Listings
95
Price/SqFt
$156
Pending Sales
90
Conforming Loan Available
Most homebuyers in 74135 can comfortably use conventional financing. The median home price of $287,050 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 74135 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 74135 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 74135 can comfortably use conventional financing. The median home price of $287,050 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 74135 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 74135
To purchase the median home at $287,050 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,349.
Monthly Payment
$2,349
Income Required
$100,684
Principal & Interest
$1,769/mo
Down Payment (5%)
$14,353
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 74135.
Estimated Monthly Payment
$1,926
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