The story of this market
The typical home in ZIP 74540 sells for about $145,000, or $105 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 68 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $950 a month.
ZIP 74540 — Daisy
The housing market in 74540 remains stable with low inventory and modest price appreciation. Market activity is driven by local demand rather than speculative investment, resulting in a slow but steady pace of sales.
This area is best suited for retirees, local agricultural workers, and families seeking affordable, quiet rural living with significant space.
Median prices moved up 2.4% year over year.
Homes spend a median of 68 days on market with 5.2 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 16.5% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 74540, Atoka County OK
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in this rural area are generally lower than the national average, with property-related incidents being the most common reports.
Schools serving this area are primarily part of small rural districts with limited extracurricular offerings but stable student-to-teacher ratios.
The area is subject to standard regional risks including severe thunderstorms and occasional high winds; flood risk is localized to areas near water bodies.
Economic momentum is modest, driven primarily by local agriculture, small-scale retail, and regional service-sector employment.
Property taxes are assessed at the county level based on fair market value, with standard homestead exemptions available for primary residences.
Commuting typically requires personal vehicle use, with residents traveling to nearby regional hubs for employment via state highways.
Recreational opportunities are centered on outdoor activities including fishing, hunting, and local community parks.
The rental market is characterized by low turnover and limited inventory, with most units being single-family homes rather than multi-family complexes.
The local economy is anchored by agriculture, forestry, and public sector employment, with limited industrial diversification.
Transportation infrastructure is limited to state and county road networks; no public transit systems serve this rural ZIP.
There are no major commercial or residential developments currently approved or under construction in this ZIP.
The county appraisal district conducts annual assessments based on market sales data and property inspections.
Parcels are subject to local school district taxes and county-wide emergency service district levies.
Property insurance premiums are influenced by regional exposure to severe weather events, including wind and hail.
Net domestic migration is stable, with a slight trend of retirees moving into the area for lower costs of living.
Oklahoma is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Sellers are required to provide a residential property condition disclosure statement to buyers.
Data retrieved from data.census.gov ZCTA 74540 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Major regional reservoir providing fishing and boating access.
Historic site offering trails and picnic areas.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.