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Cherokee city, OK

ZIP 73728 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 73728

Median Home Value
$124,700
Median Rent
$523
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$801/mo PITI).

9%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.9 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 73728 in Cherokee city, OK, a household would need roughly $34,000 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 $801. That sits below the local median household income ($68,355), 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 25% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.0%+15% vs US avg
x
Vacancy Rate
25.3%+145% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
14.3%+12% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.7%-52% vs US avg
x
Mortgage-Free
59.2%+55% vs US avg
x
$124,700
Home Value
$523
Rent
1953
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached84.1%
  • 1-unit attached1.1%
  • 2-9 units5.4%
  • 10+ units0.7%
  • Mobile home & other8.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,700
Median rent$523
Owner-occupied75.0%
Vacant25.3%
Price-to-income1.8x
Est. income to buy$34,000