ZIP 74105 vs ZIP 74120

74105 is one of 34 ZIP codes that lie mostly in Tulsa County, OK.

Shaded by typical home value, it ranks 8 of the 31 with a value.

6 school locations in 74105: 3 elementary, 2 middle, 1 high.

In alphabetical order: COLLEGIATE HALL CHARTER SCHOOL, EDISON PREPARATORY MS, EISENHOWER INTERNATIONAL ES, ELIOT ES, and more on the ZIP page. Locations only — no ratings are shown here.

74120 is one of 34 ZIP codes that lie mostly in Tulsa County, OK.

Shaded by typical home value, it ranks 9 of the 31 with a value.

2 school locations in 74120: 2 elementary.

In alphabetical order: DEBORAH BROWN COMMUNITY SCHOOL, SANKOFA MIDDLE SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 74105 was worth $118,799.

Values peaked at $296,319 in April 2026. The latest reading is −0.5% from that peak.

As of August 2026: $294,936, +3.6% over twelve months.

Start with the typical home: $294,936. Put 20% down and borrow $235,949 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,634 a month in principal and interest.

The median household here earns $69,864 a year, $5,822 a month. So the payment takes 28.1% 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 11.3% 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 $705.

By August 2026, at 6.67%, it was $1,517 — +115% since December 2020, while the home's value moved +36%.

Reported values rose +148% 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 $234,462. So the real change is +26%, not +148%.

74105: +148% since January 2000.

Tulsa County: +139% since January 2000.

Oklahoma: +164% since January 2000 — 74105 ran behind it by 15 points.

Owning the typical home costs about $1,929 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,500 a month.

Price divided by a year's rent: 16.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 74120 was worth $93,012.

Values peaked at $287,722 in August 2026. The latest reading is the peak.

As of August 2026: $287,722, +3.2% over twelve months.

Start with the typical home: $287,722. Put 20% down and borrow $230,178 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,594 a month in principal and interest.

The median household here earns $66,280 a year, $5,523 a month. So the payment takes 28.9% 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 9.3% 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 $557.

In December 2020, with rates at 2.68%, it was $722.

By August 2026, at 6.67%, it was $1,480 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +209% 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 $183,569. So the real change is +57%, not +209%.

74120: +209% since January 2000.

Tulsa County: +139% since January 2000.

Oklahoma: +164% since January 2000 — 74120 ran ahead of it by 46 points.

Owning the typical home costs about $1,881 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,480 a month.

Price divided by a year's rent: 16.2. 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 97% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 130. That is 87% of the 2015–2019 level for the same months.

Going out — closed sales: about 42 a month. That is 92% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.1 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 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 42 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 42 — so sales ran at 100% of it, and below it in 14 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).

Homes sold: about 4 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 4 — so sales ran at 100% of it, and below it in 8 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: 130 in June 2026.

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

County assessor records list 9,327 properties with a market value here. Their average assessed market value is $283,000; the typical home value is $294,936.

The assessor average sits −4.0% 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: 9 in June 2026.

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

County assessor records list 1,442 properties with a market value here. Their average assessed market value is $278,200; the typical home value is $287,722.

The assessor average sits −3.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.