ZIP 74070

74070 is one of 17 ZIP codes that lie mostly in Osage County, OK — 74% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 12 with a value.

1 school location in 74070: 1 elementary.

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

In January 2000 the typical home in 74070 was worth $101,573.

Values peaked at $282,794 in August 2026. The latest reading is the peak.

As of August 2026: $282,794, +5.8% over twelve months.

Start with the typical home: $282,794. Put 20% down and borrow $226,235 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,566 a month in principal and interest.

The median household here earns $63,777 a year, $5,315 a month. So the payment takes 29.5% of income — rated “stretched” (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 10.6% 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 $608.

In December 2020, with rates at 2.68%, it was $640.

By August 2026, at 6.67%, it was $1,455 — +127% since December 2020, while the home's value moved +43%.

Reported values rose +178% 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 $200,465. So the real change is +41%, not +178%.

74070: +178% since January 2000.

Osage County: +183% since January 2000.

Oklahoma: +164% since January 2000 — 74070 ran ahead of it by 15 points.

Owning the typical home costs about $1,849 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,194 a month.

Price divided by a year's rent: 19.7. 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 17 a month (Redfin, 3-month rolling data through August 2026). That is 62% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 46.

Going out — closed sales: about 17 a month.

The ladder: homes for sale ÷ monthly sales = 2.8 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 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 17 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 19 — so sales ran at 89% of it, and below it in 16 of the last 24 months.

Across Osage County, builders pulled permits for 167 new homes in 2025.

Of those, 74% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Osage County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,088 moved in. Among the ten receiving the most, 934 moved out.

Net across those counties: +154 households. Beside it, homes for sale in this ZIP: 46 in June 2026.

Most arrivals came from Tulsa, OK (702 households); most departures went to Tulsa, OK (540).

County assessor records list 1,368 properties with a market value here. Their average assessed market value is $207,570; the typical home value is $282,794.

The assessor average sits −26.6% from the market figure — an average against a typical value, so treat it as a check, not a verdict.