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Clarita CDP, OK

ZIP 74538 — 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 74538

Median Home Value
$93,800
Median Rent
$477
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$603/mo PITI).

12%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.4 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 74538 in Clarita CDP, OK, a household would need roughly $26,000 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 $603. That sits below the local median household income ($48,824), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
65.4%+0% vs US avg
x
Vacancy Rate
20.4%+98% vs US avg
x
Broadband Access
79.5%-9% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
14.6%-71% vs US avg
x
Mortgage-Free
63.2%+65% vs US avg
x
$93,800
Home Value
$477
Rent
1975
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 detached82.5%
  • 1-unit attached0.0%
  • 2-9 units6.9%
  • 10+ units1.2%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$93,800
Median rent$477
Owner-occupied65.4%
Vacant20.4%
Price-to-income1.9x
Est. income to buy$26,000