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Tulsa city, OK

ZIP 74128 — 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 74128

Median Home Value
$109,100
Median Rent
$796
Affordability Snapshot
$30,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$701/mo PITI).

19%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.4 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 74128 in Tulsa city, OK, a household would need roughly $30,000 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 $701. That sits below the local median household income ($49,654), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.2%-6% vs US avg
x
Vacancy Rate
9.1%-11% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
21.8%-56% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$109,100
Home Value
$796
Rent
1969
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached67.0%
  • 1-unit attached7.4%
  • 2-9 units12.9%
  • 10+ units8.1%
  • Mobile home & other4.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$109,100
Median rent$796
Owner-occupied61.2%
Vacant9.1%
Price-to-income2.2x
Est. income to buy$30,000