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ZIP 74465
Housing & Real Estate

ZIP 74465 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 74465

Median Home Value

$137,300

Median Rent

$598

Affordability Snapshot

$38,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$882/mo PITI).

21%

Rent-to-Income Ratio

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

4.0x

Home Price-to-Income Ratio

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

19.1 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 74465, a household would need roughly $38,000 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 $882. That is roughly in line with the local median household income ($34,605). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel

Housing Metrics

Owner Occupied

40.9%-38% vs US avg

Vacancy Rate

14.9%+45% vs US avg

Broadband Access

74.1%-15% vs US avg

4+ Bedrooms

2.4%-84% vs US avg

Built Pre-1939

4.8%-63% vs US avg

Built Post-2014

0.0%

Rent Burden >30%

28.0%-44% vs US avg

Mortgage-Free

40.6%+6% vs US avg

$137,300

Home Value

$598

Rent

1977

Year Built

2017

Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

1-unit detached56.0%
1-unit attached6.5%
2-9 units20.0%
10+ units8.2%
Mobile home & other9.2%

ZIP 74465 — Housing & Real Estate

Housing & Real Estate in ZIP Code 74465

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