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Elk City city, OK

ZIP 73644 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 73644

Median Home Value
$167,300
Median Rent
$654
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,075/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 73644 in Elk City city, OK, a household would need roughly $46,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,075. That sits below the local median household income ($51,774), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.3%+1% vs US avg
x
Vacancy Rate
16.8%+63% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
54.2%+42% vs US avg
x
$167,300
Home Value
$654
Rent
1983
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached67.9%
  • 1-unit attached2.0%
  • 2-9 units12.0%
  • 10+ units6.9%
  • Mobile home & other11.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$167,300
Median rent$654
Owner-occupied66.3%
Vacant16.8%
Price-to-income3.2x
Est. income to buy$46,000