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Garber city, OK

ZIP 73738 — 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 73738

Median Home Value
$136,300
Median Rent
$806
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$876/mo PITI).

13%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.1 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 73738 in Garber city, OK, a household would need roughly $38,000 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 $876. That sits below the local median household income ($73,125), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
19.6%+90% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.2%-51% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
60.9%+59% vs US avg
x
$136,300
Home Value
$806
Rent
1968
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 detached95.2%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other4.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$136,300
Median rent$806
Owner-occupied82.8%
Vacant19.6%
Price-to-income1.9x
Est. income to buy$38,000