Real Estate Investing in Terlton, Oklahoma (74081)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 74081 (Terlton, OK)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated vacancy: 11.3% vacancy may signal weakening demand.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Terlton, OK (74081)?
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Market Analysis: 74081 Terlton
This part of Pawnee is not an easy win. The 74081 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The 74081 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
Regionally, 74081 sits on the difficult end of the OK spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
A solid renter share of 8% in 74081 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The right play in 74081 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Terlton:
Market Trends
Home Value History (with trend line)
📊 How Does 74081 Compare?
| Metric | 74081 | Terlton | Oklahoma |
|---|---|---|---|
| Home Value | $203,093 | $203,093 | $214,563 |
| 5-Year CAGR | 6.5% | 6.5% | 6.9% |
| Avg Rent | $1,224 | $1,224 | - |
| Cap Rate | 4.7% | 4.7% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 74081 (Terlton, OK). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $203,093 |
| Monthly Rent | $1,224 |
| Price-to-Rent | 13.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 7.2% |
| Cap Rate | 4.7% |
| 5-Year IRR | 11.3% |
📈 Home Appreciation
| 1-Year | +9.9% ▲ |
| 3-Year CAGR | +6.0% ▲ |
| 5-Year CAGR | +6.5% ▲ |
| 10-Year CAGR | +8.5% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.7%). 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 74081
Population: 2,008
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What strategy should investors use in Terlton, OK?
Investors usually favor careful cash-flow rentals with hands-on management in Terlton, OK. With home values at $203K and rents near $1,224/mo, other strategies can work but produce predictable rather than outsized returns.
How quickly do rentals get leased in Terlton, OK?
Terlton, OK carries elevated vacancy risk. Expect stable absorption at market rents of $1,224/mo.
Is real estate in Terlton, OK a good investment right now?
Terlton, OK rates 3.0/5 for investability. With median values at $203K and rents near $1,224/mo, the market offers reasonable fundamentals for rental investors.
Is Terlton, OK a good market for FHA house hackers?
Terlton, OK is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $203K price point reasonable to enter.
How expensive is real estate in Terlton, OK?
Median home price in Terlton, OK is near $203K, with a 5-year CAGR of 0.0%. Prices have been even-keeled and supportive of buy-and-hold strategies.
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