Real Estate Investing in Loco, Oklahoma (73442)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Stephens County • Population: 276 • Data updated: September 2026

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Should you buy in 73442 (Loco, OK)? Our answer, based on the numbers below.

🏠 For Homebuyers
WEAK FIT
Grade F (39/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 22.0% of homes vacant — above national norms.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Loco, OK (73442)?

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2.0/ 5

Investability

Overall investment appeal

0.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $171,949
Avg Monthly Rent $855
1% Rule ✗ Does Not Meet
Median Income $46,500
% Renters 6.3%

Market Analysis: 73442 Loco

The 73442 ZIP in Loco, OK is a local-operator market. Outside capital chasing a $172K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 73442 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Regionally, 73442 sits on the difficult end of the OK spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Stepping back, 276 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Strategy in 73442 is an operator game, not a passive one. Turning to rents, entry prices of $172K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Loco:

C+ Average
Buy Confidence Score: 61/100
Affordability
15/25
Appreciation
18/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Rising (+3.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $855/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Duncan, OK Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Duncan, OK metro data

Market Trends

Home Value History (with trend line)

$181K$176K$171K$166K$161K$156KFeb 2023Nov 2024Jul 2026

📊 How Does 73442 Compare?

Metric 73442 Loco Duncan, OK Oklahoma
Home Value $171,949 $171,949 N/A $214,563
5-Year CAGR N/A N/A N/A 6.9%
Avg Rent $855 $855 N/A -
Cap Rate 3.9% 3.9% - -
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 73442 (Loco, OK). Anonymous, moderated, never written by AI.

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Investability
Fair
Cap Rate
3.9%
Low

📉 Market Crash Risk Index

Based on Duncan, OK metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
60%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $171,949
Monthly Rent $855
Price-to-Rent 16.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.0%
Cap Rate 3.9%
5-Year IRR 4.8%

📈 Home Appreciation

1-Year +3.5% ▲
3-Year CAGR +0.9% ▲
5-Year CAGR N/A
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
22.0%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
N/A
Stable
Eviction process: Moderate Rent control: Favorable

Demographics in 73442

Population: 276

💰 Median Household Income
$46,500
This area
$46,500
State
$58,994
USA
$74,580
🏠 Renter Occupied
6.3%
This area
6.3%
State
25.6%
USA
34.0%
💼 Unemployment Rate
2.9%
This area
2.9%
State
-1.8%
USA
3.7%
🎓 College Educated
16.7%
This area
16.7%
State
14.2%
USA
33.7%
👤 Median Age
60.4 years
This area
60.4 years
State
30.2 years
USA
38.9 years
🏚️ Vacancy Rate
22.0%
This area
22.0%
State
20.2%
USA
10.5%
👥 Population by Ethnicity
White 79.7%
Other/Mixed 20.4%
Hispanic/Latino 5.6%
👶 Under 18
9.0%
This area
9.0%
USA
22.0%
👴 65 and Over
42.5%
This area
42.5%
USA
17.3%
📊 Poverty Rate
9.8%
This area
9.8%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

Frequently Asked Questions

What is the typical home price in Loco, OK?

In Loco, OK the median home value sits at $172K. Against the broader OK market, that reads as reasonable for most investors.

What is the typical renter like in Loco, OK?

Loco, OK offers a steady renter base at the $855/mo rent level. Tenant turnover is reasonable for well-managed properties.

What is the smart move for investors in Loco, OK?

In Loco, OK the solid play is typically careful cash-flow rentals with hands-on management. The combination of $172K prices and $855/mo rents suits that approach.

How tight is the rental market in Loco, OK?

Vacancy risk in Loco, OK is elevated. That supports consistent cash flow for typical rental holds.

Can I live-in-and-rent in Loco, OK?

House hacking in Loco, OK is a challenging. With home values around $172K and rents at $855/mo, owner-occupants can offset a meaningful share of PITI.

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