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Ada city, OK

ZIP 74820 — 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 74820

Median Home Value
$177,600
Median Rent
$669
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,141/mo PITI).

13%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.1 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 74820 in Ada city, OK, a household would need roughly $49,000 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 $1,141. That sits below the local median household income ($62,359), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.3%-3% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
16.6%-67% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$177,600
Home Value
$669
Rent
1977
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached76.0%
  • 1-unit attached1.1%
  • 2-9 units11.3%
  • 10+ units4.0%
  • Mobile home & other7.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,600
Median rent$669
Owner-occupied63.3%
Vacant13.7%
Price-to-income2.8x
Est. income to buy$49,000