ZIP 74131 vs ZIP 74028

74131 is one of 14 ZIP codes that lie mostly in Creek County, OK.

Shaded by typical home value, it ranks 1 of the 9 with a value.

1 school location in 74131: 1 middle.

In alphabetical order: ALLEN-BOWDEN PUBLIC SCHOOL. Locations only — no ratings are shown here.

74028 is one of 14 ZIP codes that lie mostly in Creek County, OK — 99% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 9 with a value.

3 school locations in 74028: 2 middle, 1 high.

In alphabetical order: DEPEW ES, DEPEW HS, GYPSY PUBLIC SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 74131 was worth $112,674.

Values peaked at $284,135 in August 2026. The latest reading is the peak.

As of August 2026: $284,135, +6.9% over twelve months.

Start with the typical home: $284,135. Put 20% down and borrow $227,308 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,574 a month in principal and interest.

The median household here earns $64,653 a year, $5,388 a month. So the payment takes 29.2% 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 11.6% 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 $675.

In December 2020, with rates at 2.68%, it was $679.

By August 2026, at 6.67%, it was $1,462 — +115% since December 2020, while the home's value moved +35%.

Reported values rose +152% 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 $222,374. So the real change is +28%, not +152%.

74131: +152% since January 2000.

Creek County: +173% since January 2000.

Oklahoma: +164% since January 2000 — 74131 ran behind it by 11 points.

Owning the typical home costs about $1,858 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,043 a month.

Price divided by a year's rent: 22.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 74028 was worth $67,771.

Values peaked at $250,775 in August 2026. The latest reading is the peak.

As of August 2026: $250,775, +9.3% over twelve months.

Start with the typical home: $250,775. Put 20% down and borrow $200,620 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,389 a month in principal and interest.

The median household here earns $52,708 a year, $4,392 a month. So the payment takes 31.6% 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 8.5% 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 $406.

In December 2020, with rates at 2.68%, it was $550.

By August 2026, at 6.67%, it was $1,290 — +135% since December 2020, while the home's value moved +48%.

Reported values rose +270% 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 $133,753. So the real change is +87%, not +270%.

74028: +270% since January 2000.

Creek County: +173% since January 2000.

Oklahoma: +164% since January 2000 — 74028 ran ahead of it by 106 points.

Owning the typical home costs about $1,640 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $718 a month.

Price divided by a year's rent: 29.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 3 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 300% of it, and below it in 7 of the last 24 months.

Across Creek County, builders pulled permits for 270 new homes in 2025.

Of those, 59% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Homes sold: about 0 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 0 — so sales ran at NaN% of it, and below it in 1 of the last 24 months.

Across Creek County, builders pulled permits for 270 new homes in 2025.

Of those, 59% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Creek County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,661 moved in. Among the ten receiving the most, 1,565 moved out.

Net across those counties: +96 households. Beside it, homes for sale in this ZIP: 4 in June 2026.

Most arrivals came from Tulsa, OK (1,160 households); most departures went to Tulsa, OK (1,064).

County assessor records list 870 properties with a market value here. Their average assessed market value is $230,032; the typical home value is $284,135.

The assessor average sits −19.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Creek County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,661 moved in. Among the ten receiving the most, 1,565 moved out.

Net across those counties: +96 households. Beside it, homes for sale in this ZIP: 1 in June 2026.

Most arrivals came from Tulsa, OK (1,160 households); most departures went to Tulsa, OK (1,064).

County assessor records list 481 properties with a market value here. Their average assessed market value is $141,780; the typical home value is $250,775.

The assessor average sits −43.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.