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Winchester town, OK

ZIP 74421 — 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 74421

Median Home Value
$171,400
Median Rent
$681
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,101/mo PITI).

12%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.0 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 74421 in Winchester town, OK, a household would need roughly $47,000 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 $1,101. That sits below the local median household income ($70,063), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.8%+28% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
82.5%-5% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
13.2%-73% vs US avg
x
Mortgage-Free
45.1%+18% vs US avg
x
$171,400
Home Value
$681
Rent
1989
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached68.6%
  • 1-unit attached1.0%
  • 2-9 units4.8%
  • 10+ units0.2%
  • Mobile home & other25.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$171,400
Median rent$681
Owner-occupied83.8%
Vacant11.0%
Price-to-income2.4x
Est. income to buy$47,000