ZIP 74038

74038 is one of 14 ZIP codes that lie mostly in Creek County, OK — 51% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 9 with a value.

In January 2000 the typical home in 74038 was worth $64,383.

Values peaked at $225,210 in August 2026. The latest reading is the peak.

As of August 2026: $225,210, +6.7% over twelve months.

Start with the typical home: $225,210. Put 20% down and borrow $180,168 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,247 a month in principal and interest.

The median household here earns $59,375 a year, $4,948 a month. So the payment takes 25.2% 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 7.2% 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 $386.

In December 2020, with rates at 2.68%, it was $516.

By August 2026, at 6.67%, it was $1,159 — +124% since December 2020, while the home's value moved +41%.

Reported values rose +250% 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 $127,066. So the real change is +77%, not +250%.

74038: +250% since January 2000.

Creek County: +173% since January 2000.

Oklahoma: +164% since January 2000 — 74038 ran ahead of it by 86 points.

Owning the typical home costs about $1,473 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $850 a month.

Price divided by a year's rent: 22.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Homes sold: about 1 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 1 — so sales ran at 100% of it, and below it in 6 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: 6 in June 2026.

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

County assessor records list 243 properties with a market value here. Their average assessed market value is $130,456; the typical home value is $225,210.

The assessor average sits −42.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.