Oklahoma
Payne County
ZIP 74085
82,290 residents214 permits TTM$48,937 median HHI9 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$217,700
ACS 5-Year
Cap rate proxy
5.1%
FMR × 0.65 ÷ Home Value
Rent-to-income
22.6%
HUD FMR ÷ ACS HHI
Net migration
+1.38%
IRS SOI
Permits (TTM)
214
Census BPS
Climate risk
83.9
FEMA NRI (0–100)
ZIP 74085
Median home value
$217,700
Gross yield
5.2%
Buy Box score
0.3
Section 8 gap
3.0%
Affordability
P/I: 3.3R/I: —
Section 8 detail
SAFMR: $950Rent: $922Gap: 3.0%
ZIP code breakdown9 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 74075 | — | — | — | 0.4 | — |
| 74059 | $217,700 | $990 | 5.5% | 0.4 | 7.4% |
| 74023 | $217,700 | $940 | 5.2% | 0.4 | 2.0% |
| 74085 | $217,700 | $950 | 5.2% | 0.3 | 3.0% |
| 74074 | — | — | — | 0.3 | — |
| 74032 | — | — | — | 0.3 | — |
| 74062 | — | — | — | — | — |
| 74077 | — | — | — | — | — |
| 74078 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
50.9%
Census ACS
Vacancy rate
12.4%
Census ACS
Bachelor's degree +
40.1%
Census ACS
Rent burdened
55.3%
Census ACS (>30% income)
Median age
27.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026