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Stillwater city, OK

ZIP 74075 — 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 74075

Median Home Value
$220,900
Median Rent
$809
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,419/mo PITI).

21%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

22.8 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 74075 in Stillwater city, OK, a household would need roughly $61,000 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 $1,419. That is about 34% above the local median household income ($45,540), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
40.4%-38% vs US avg
x
Vacancy Rate
11.7%+14% vs US avg
x
Broadband Access
81.3%-7% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
3.5%-73% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
30.3%-39% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$220,900
Home Value
$809
Rent
1987
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached49.5%
  • 1-unit attached3.0%
  • 2-9 units13.6%
  • 10+ units28.8%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,900
Median rent$809
Owner-occupied40.4%
Vacant11.7%
Price-to-income4.9x
Est. income to buy$61,000