Real Estate Investing in Stillwater, Oklahoma (74075)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 74075 (Stillwater, OK)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 13.3% of homes vacant — above national norms.
What’s happening in Stillwater, OK (74075)?
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Market Analysis: 74075 Stillwater
This part of Payne County is not an easy win. The 74075 ZIP comes in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Put differently, the numbers look inviting — $260K purchase price, 0.0% nominal cap — the work to hit that pro forma in 74075 is substantial and deserves full respect.
Regionally, 74075 sits on the difficult end of the OK spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
The demographic picture in 74075 includes headwinds that any investor should price in. Income distribution skews lower than Stillwater averages, and tenant stability requires active management.
Strategy in 74075 is an operator game, not a passive one. From a cash-flow lens, entry prices of $260K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Stillwater:
Property Strategy for 74075
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $176,249 | $1,100 | 4.5% | +5.3% | $88,125 |
| 3BR | $234,151 | $1,520 | 4.7% | +6.4% | $78,050 |
| 4BR | $318,611 | $1,670 | 3.8% | +4.6% | $79,653 |
| 5BR | $500,494 | — | — | +5.8% | $100,099 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 74075 Compare?
| Metric | 74075 | Stillwater | Stillwater, OK | Oklahoma |
|---|---|---|---|---|
| Home Value | $259,964 | $134,596 | N/A | $214,563 |
| 5-Year CAGR | 5.6% | 5.2% | N/A | 6.9% |
| Avg Rent | $1,470 | $1,410 | N/A | - |
| Cap Rate | 4.4% | 4.1% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 74075 (Stillwater, OK). Anonymous, moderated, never written by AI.
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Property managers serving Payne County
Manage rentals here? List your business →C-Star Management is a leader in property management, offering services for apartments, houses, and duplexes. summary from their website
Harmon Property Management is a local, family-owned and operated residential property management company serving Wichita, Kansas, and the surrounding area since 2008. summary from their website
Cowboy Property Management offers property management services in Stillwater, OK, with new properties available and a caring management team. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $259,964 |
| Monthly Rent | $1,470 |
| Price-to-Rent | 14.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.8% |
| Cap Rate | 4.4% |
| 5-Year IRR | 10.0% |
📈 Home Appreciation
| 1-Year | +8.4% ▲ |
| 3-Year CAGR | +4.5% ▲ |
| 5-Year CAGR | +5.6% ▲ |
| 10-Year CAGR | +5.2% ▲ |
🏠 Rent Trends
| 1-Year | +5.8% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.4%). 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.
Demographics in 74075
Population: 26,693
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
🎓 Schools in 74075
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 2,823 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How landlord-friendly is Stillwater, OK?
Stillwater, OK falls under OK landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.
Are renters plentiful in Stillwater, OK?
The renter base in Stillwater, OK is reasonable for the $1,470/mo price point. Screening well and pricing to market typically yields consistent tenants.
What price range are homes in Stillwater, OK?
Typical homes in Stillwater, OK go for around $260K. The 5-year CAGR of 0.0% steady price movement.
How do experienced investors play Stillwater, OK?
In Stillwater, OK the substantial play is typically careful cash-flow rentals with hands-on management. The combination of $260K prices and $1,470/mo rents suits that approach.
How strong are rents in Stillwater, OK?
Rents in Stillwater, OK run near $1,470/mo. Compared with median home prices of $260K that produces solid gross yields for typical rentals.
You know 74075 now. You don’t know where it ranks.
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How 74075 ranks in Stillwater, OK
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