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Rocky Mountain CDP, OK

ZIP 74960 — 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 74960

Median Home Value
$112,300
Median Rent
$428
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$721/mo PITI).

11%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.9 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 74960 in Rocky Mountain CDP, OK, a household would need roughly $31,000 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 $721. That sits below the local median household income ($48,174), 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
67.0%+3% vs US avg
x
Vacancy Rate
14.2%+37% vs US avg
x
Broadband Access
56.6%-35% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
3.0%-76% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
18.0%-64% vs US avg
x
Mortgage-Free
62.0%+62% vs US avg
x
$112,300
Home Value
$428
Rent
1982
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached69.7%
  • 1-unit attached1.4%
  • 2-9 units9.5%
  • 10+ units1.6%
  • Mobile home & other17.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,300
Median rent$428
Owner-occupied67.0%
Vacant14.2%
Price-to-income2.3x
Est. income to buy$31,000