Location: Pottawatomie County, OK | Metro: Lincoln County, OK HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $800 |
| 1 Bedroom | $820 |
| 2 Bedrooms | $920 |
| 3 Bedrooms | $1,220 |
| 4 Bedrooms | $1,410 |
| 5 Bedrooms | $1,636 |
| 6 Bedrooms | $1,832 |
| 7 Bedrooms | $1,979 |
| 8 Bedrooms | $2,078 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $920 | $99,511 | 0.92% | C |
| 3BR | $1,220 | $174,194 | 0.7% | D |
| 4BR | $1,410 | $285,361 | 0.49% | F |
U.S. Census Bureau data (2024)
The real estate market in ZIP 74079, Stroud, OK, presents a nuanced picture that balances both stability and potential for growth. With a median home value of $154,300, the area remains accessible for first-time buyers and investors alike. The fact that only 0.2% of listings have been reduced signals strong seller pricing power, indicating that homes are selling at or near their asking prices. This trend suggests a resilient local economy where demand outstrips supply, maintaining home values and reducing the likelihood of significant price drops.
The median days on market (DOM) being listed as N/A points to an efficient sales process, possibly due to low inventory levels or quick sales, further reinforcing the notion of a robust housing market. Landlords and small-portfolio investors should take note of the favorable rental market conditions, with the Fair Market Rent (FMR) for ZIP 74079 projected at $940 for fiscal year 2024, compared to the current market rate of $754. This gap implies that rental properties can be priced competitively while still offering a margin above the average market rate, enhancing cash flow and investment returns.
For long-term investors, the setup in ZIP 74079 supports a realistic appreciation thesis. The combination of stable home values, minimal price reductions, and a growing rental market indicates that property values are likely to remain steady or even increase slightly over the next 12-24 months. This scenario provides a solid foundation for those looking to hold onto properties for extended periods, ensuring that their investments maintain or grow in value without significant risk of depreciation.
Investors should also consider the broader economic context of Stroud, OK, including employment trends, population growth, and infrastructure developments, which can further influence property values and rental demand. However, based on the current data, ZIP 74079 offers a balanced opportunity for both homeownership and rental investment, with pricing power favoring sellers and landlords.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.