US5.com
  1. Home
  2. States
  3. Oklahoma
  4. ZIP 74864
  5. Housing & Real Estate
Prague city, OK

ZIP 74864 — 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 74864

Median Home Value
$165,600
Median Rent
$535
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,064/mo PITI).

10%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.8 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 74864 in Prague city, OK, a household would need roughly $46,000 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 $1,064. That sits below the local median household income ($64,313), 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
78.8%+20% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
81.9%-6% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
2.2%-68% vs US avg
x
Rent Burden >30%
19.5%-61% vs US avg
x
Mortgage-Free
57.1%+49% vs US avg
x
$165,600
Home Value
$535
Rent
1984
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached76.5%
  • 1-unit attached1.5%
  • 2-9 units4.8%
  • 10+ units0.5%
  • Mobile home & other16.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,600
Median rent$535
Owner-occupied78.8%
Vacant10.6%
Price-to-income2.6x
Est. income to buy$46,000