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Cloud Creek CDP, OK

ZIP 74338 — 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 74338

Median Home Value
$117,400
Median Rent
$536
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$754/mo PITI).

11%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.3 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 74338 in Cloud Creek CDP, 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 $754. That sits below the local median household income ($59,167), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.3%+12% vs US avg
x
Vacancy Rate
13.1%+27% vs US avg
x
Broadband Access
73.8%-15% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
18.8%-62% vs US avg
x
Mortgage-Free
52.6%+38% vs US avg
x
$117,400
Home Value
$536
Rent
1985
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 detached68.5%
  • 1-unit attached0.6%
  • 2-9 units1.3%
  • 10+ units0.2%
  • Mobile home & other29.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$117,400
Median rent$536
Owner-occupied73.3%
Vacant13.1%
Price-to-income2.0x
Est. income to buy$32,000