payne-county · Oklahoma
Payne County
ZIP 74078
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 74078
Median home value
—
Gross yield
—
Cap rate
5.1%
Rent gap
—
Affordability
P/I: 4.4R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown9 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 74085 | $159,476 | $950 | 7.1% | 6.9% | 3.0% |
| 74023 | $141,858 | $940 | 8.0% | 7.8% | 1.9% |
| 74062 | — | — | — | 5.1% | — |
| 74059 | $217,053 | $990 | 5.5% | 6.9% | -26.3% |
| 74077 | — | — | — | 5.1% | — |
Ranked by composite score
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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