Real Estate Investing in Whitefield, Oklahoma (74472)

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

Haskell County • Population: 638 • Data updated: September 2026

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Should you buy in 74472 (Whitefield, OK)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (67/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 13.9% 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 Whitefield, OK (74472)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $140,234
Avg Monthly Rent $981
1% Rule ✗ Does Not Meet
Median Income $43,438
% Renters 23.3%

Market Analysis: 74472 Whitefield

ZIP 74472 in Whitefield, OK carries a durable set of headwinds. Home values near $140K and rents of $981/mo sit inside a market where underwriting has to be tight.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $140K asset, 74472 is the wrong submarket. If the plan prices in friction, the yield can still work.

Statewide comparisons place 74472 among OK's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

The demographic picture in 74472 includes headwinds that any investor should price in. Income distribution skews lower than Whitefield averages, and tenant stability requires active management.

Distressed ZIPs reward experience. notable returns are possible in 74472, but they flow to investors who already understand how to operate in soft markets.

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 Whitefield:

B Good
Buy Confidence Score: 70/100
Affordability
20/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+7.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $981/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
Muskogee, OK Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
8.2%
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 Muskogee, OK metro data

Market Trends

Home Value History (with trend line)

$153K$129K$106K$83K$59K$36KJul 2006Jul 2016Jul 2026

📊 How Does 74472 Compare?

Metric 74472 Whitefield Muskogee, OK Oklahoma
Home Value $140,234 $140,234 N/A $214,563
5-Year CAGR 6.9% 6.9% N/A 6.9%
Avg Rent $981 $981 N/A -
Cap Rate 5.5% 5.5% - -
💡 Why Invest in 74472? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 74472 (Whitefield, OK). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.5%
Fair
5yr Growth
+6.9%
Strong

📉 Market Crash Risk Index

Based on Muskogee, OK metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
50%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $140,234
Monthly Rent $981
Price-to-Rent 11.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.4%
Cap Rate 5.5%
5-Year IRR 12.3%

📈 Home Appreciation

1-Year +7.0% ▲
3-Year CAGR +4.4% ▲
5-Year CAGR +6.9% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.5%). 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
13.9%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.9%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 74472

Population: 638

💰 Median Household Income
$43,438
This area
$43,438
State
$58,994
USA
$74,580
🏠 Renter Occupied
23.3%
This area
23.3%
State
25.6%
USA
34.0%
💼 Unemployment Rate
4.2%
This area
4.2%
State
-1.8%
USA
3.7%
🎓 College Educated
11.4%
This area
11.4%
State
14.2%
USA
33.7%
👤 Median Age
36.8 years
This area
36.8 years
State
30.2 years
USA
38.9 years
🏚️ Vacancy Rate
13.9%
This area
13.9%
State
20.2%
USA
10.5%
👥 Population by Ethnicity
White 75.2%
Other/Mixed 24.8%
Hispanic/Latino 2.3%
👶 Under 18
28.9%
This area
28.9%
USA
22.0%
👴 65 and Over
20.6%
This area
20.6%
USA
17.3%
📊 Poverty Rate
17.8%
This area
17.8%
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

🎓 Schools in 74472

C+ Avg School Grade
1 Schools
19.1:1 Avg Class Size
$8,919 Avg Per Pupil

Schools in This ZIP Code

C+ Average

WHITEFIELD PUBLIC SCHOOL

📚 Pre-K – 08 School
👥
229 Students
👨‍🏫
19.1:1 Class Size
💰
$8,919 Per Student
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.

Frequently Asked Questions

What is the average monthly rent in Whitefield, OK?

Rental rates in Whitefield, OK average $981/mo. Tenant demand and $140K home values make the yield look reasonable by investor standards.

Does Whitefield, OK favor landlords or tenants?

OK law landlord-friendly for landlords, and Whitefield inherits those rules. Investors should still review local ordinances for rental licensing.

Is Whitefield, OK a good place for real estate investing?

Whitefield, OK rates 3.0/5 for investability. With median values at $140K and rents near $981/mo, the market offers reasonable fundamentals for rental investors.

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

House hacking in Whitefield, OK is reasonable to execute. Prices around $140K and rents of $981/mo solid owner-occupant economics.

Do rentals sit vacant long in Whitefield, OK?

Whitefield, OK sees elevated vacancy, which is reasonable relative to the broader OK rental market.

You know 74472 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 74472 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 74472 ranks in Muskogee, OK

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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