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Pond Creek city, OK

ZIP 73766 — 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 73766

Median Home Value
$116,000
Median Rent
$571
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$745/mo PITI).

11%
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.

16.9 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 73766 in Pond Creek city, OK, a household would need roughly $32,000 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 $745. That sits below the local median household income ($60,729), 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 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.0%+16% vs US avg
x
Vacancy Rate
20.7%+101% vs US avg
x
Broadband Access
78.5%-10% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
12.3%-4% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
2.1%-96% vs US avg
x
Mortgage-Free
66.3%+74% vs US avg
x
$116,000
Home Value
$571
Rent
1970
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 detached91.8%
  • 1-unit attached0.6%
  • 2-9 units1.4%
  • 10+ units0.0%
  • Mobile home & other6.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,000
Median rent$571
Owner-occupied76.0%
Vacant20.7%
Price-to-income1.9x
Est. income to buy$32,000