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Rock Island town, OK

ZIP 74932 — 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 74932

Median Home Value
$165,700
Median Rent
$561
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).

13%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

24.6 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 74932 in Rock Island town, 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 ($52,000), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.7%+25% vs US avg
x
Vacancy Rate
18.3%+78% vs US avg
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
4.9%-90% vs US avg
x
Mortgage-Free
61.0%+60% vs US avg
x
$165,700
Home Value
$561
Rent
1992
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached74.4%
  • 1-unit attached0.2%
  • 2-9 units0.3%
  • 10+ units0.0%
  • Mobile home & other25.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$165,700
Median rent$561
Owner-occupied81.7%
Vacant18.3%
Price-to-income3.2x
Est. income to buy$46,000