ZIP 74055 vs ZIP 74132

74055 is one of 34 ZIP codes that lie mostly in Tulsa County, OK — 55% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 31 with a value.

12 school locations in 74055: 8 elementary, 3 middle, 1 high.

In alphabetical order: ATOR ES, BARNES ES, HAYWARD SMITH ES, LARKIN BAILEY ES, and more on the ZIP page. Locations only — no ratings are shown here.

74132 is one of 34 ZIP codes that lie mostly in Tulsa County, OK — 74% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 31 with a value.

1 school location in 74132: 1 elementary.

In alphabetical order: NORTHWEST ES. Locations only — no ratings are shown here.

In January 2000 the typical home in 74055 was worth $147,076.

Values peaked at $319,537 in August 2026. The latest reading is the peak.

As of August 2026: $319,537, +2.1% over twelve months.

Start with the typical home: $319,537. Put 20% down and borrow $255,630 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,770 a month in principal and interest.

The median household here earns $86,897 a year, $7,241 a month. So the payment takes 24.4% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.2% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $881.

In December 2020, with rates at 2.68%, it was $749.

By August 2026, at 6.67%, it was $1,644 — +120% since December 2020, while the home's value moved +38%.

Reported values rose +117% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $290,270. So the real change is +10%, not +117%.

74055: +117% since January 2000.

Tulsa County: +139% since January 2000.

Oklahoma: +164% since January 2000 — 74055 ran behind it by 46 points.

Owning the typical home costs about $2,089 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,396 a month.

Price divided by a year's rent: 19.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 74132 was worth $118,801.

Values peaked at $307,374 in August 2026. The latest reading is the peak.

As of August 2026: $307,374, +5.8% over twelve months.

Start with the typical home: $307,374. Put 20% down and borrow $245,899 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,703 a month in principal and interest.

The median household here earns $75,199 a year, $6,267 a month. So the payment takes 27.2% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $711.

In December 2020, with rates at 2.68%, it was $716.

By August 2026, at 6.67%, it was $1,581 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +159% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $234,466. So the real change is +31%, not +159%.

74132: +159% since January 2000.

Tulsa County: +139% since January 2000.

Oklahoma: +164% since January 2000 — 74132 ran behind it by 5 points.

Owning the typical home costs about $2,010 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,619 a month.

Price divided by a year's rent: 15.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 90 a month (Redfin, 3-month rolling data through August 2026). That is 82% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 209. That is 78% of the 2015–2019 level for the same months.

Going out — closed sales: about 78 a month. That is 84% of the 2015–2019 level for the same months. The drain is drawn 1% narrower: the share of homes for sale that sell each month is 99% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 2.7 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 78 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 80 — so sales ran at 98% of it, and below it in 17 of the last 24 months.

Across Tulsa County, builders pulled permits for 3,184 new homes in 2025.

Of those, 68% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 13 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 37.

Going out — closed sales: about 16 a month.

The ladder: homes for sale ÷ monthly sales = 2.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 16 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 9 — so sales ran at 178% of it, and below it in 11 of the last 24 months.

Across Tulsa County, builders pulled permits for 3,184 new homes in 2025.

Of those, 68% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Tulsa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,265 moved in. Among the ten receiving the most, 7,026 moved out.

Net across those counties: −761 households. Beside it, homes for sale in this ZIP: 209 in June 2026.

Most arrivals came from Wagoner, OK (1,391 households); most departures went to Wagoner, OK (1,721).

County assessor records list 10,734 properties with a market value here. Their average assessed market value is $278,000; the typical home value is $319,537.

The assessor average sits −13.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Tulsa County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 6,265 moved in. Among the ten receiving the most, 7,026 moved out.

Net across those counties: −761 households. Beside it, homes for sale in this ZIP: 37 in June 2026.

Most arrivals came from Wagoner, OK (1,391 households); most departures went to Wagoner, OK (1,721).

County assessor records list 3,048 properties with a market value here. Their average assessed market value is $276,074; the typical home value is $307,374.

The assessor average sits −10.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.