Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / sellerbuyer-timing lens
Seller's Market
DOM: 118d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)40
Supply & Demand (20%)0
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100
Seller-favored market in 74030. Expect to pay at or near list price. Payment burden: 16.9% of median income. Median days on market: 118. Renting is approximately 62% cheaper than buying (price-to-rent ratio: 19.5).
Buyer Caution
Seller's market. Be prepared to pay near list price.
Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGBALANCED
Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers.
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A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Creek.
Aggregate median +3.2% YoY in Tulsa, OK (metro), but the under-$500k tier is +2.2% — both the aggregate and the entry tier are rising. Over the same year the under-$500k share of sales moved from 87.8% to 88.0% (+0.1pp) and the $1M+ share from 2.3% to 1.9% (-0.4pp).
Current tiers · 12 months to Aug 25floor 10 sales/tier
6 tiers had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
$102k
—
23
85.2%
ZIP
$250k–$500k
$325k
$164
4,779
—
COUNTY · Tulsa, OK
$500k–$750k
$573k
—
24
—
COUNTY · Creek, OK
$750k–$1M
$843k
$230
247
—
COUNTY · Tulsa, OK
$1M–$1.5M
$1.20M
$293
123
—
COUNTY · Tulsa, OK
$1.5M–$2M
$1.70M
$319
44
—
COUNTY · Tulsa, OK
$2M+
$3.17M
$416
63
—
COUNTY · Tulsa, OK
All sales (the headline median)
$110k
—
27
100%
ZIP
ZIP-level history was too thin to draw the tiers; served at metro level (Tulsa, OK), by quarter.
Share of sales by tier (quarterly)
If the upper tiers widen over time, the headline median rises on composition alone.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
Median within each tier, against the headline median (quarterly)
The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.
Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+
All sales (headline)
National context — not local
NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 74030.
United States
South
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
Creek County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
ZIP 74030→Creek County, OK
12-Month Direction
+11Moderate Improvement
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
45· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden63
22.1%
affordable
Source: Lotvox · Updated 2026-05-15
Buy vs Rent50
1.247x
rent advantage
Source: Lotvox · Updated 2026-05-15
Valuation2
+66%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand29
1.9 mo
balanced
Source: Lotvox MLS · Updated 2026-05-15
Insurance Risk
26/100
low_risk
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
4.2%
OK 3.6%US 4.4%
Near national averages
Source: BLS LAUS · 2026-0667d ago
Poverty Rate
15.7%
OK 15.9%US 12.6%
Near national averages
Median Household Income
$61,849
OK $64,390US $82,006
Near national averages
Cost of Living (RPP)
88.5
OK 88.5US 100.3
Lower than most U.S. counties
Home Value (ZHVI)$215,023
County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA
