Real Estate Investing in Fort Towson, Oklahoma (74735)

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

Choctaw County • Population: 2,075 • Data updated: September 2026

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Should you buy in 74735 (Fort Towson, OK)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

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

📈 For Investors
MIXED
3.0 / 5 (47/100)

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: 20.9% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Fort Towson, OK (74735)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $210,363
Avg Monthly Rent $999
1% Rule ✗ Does Not Meet
Median Income $54,821
% Renters 20.6%

Market Analysis: 74735 Fort Towson

Investors eyeing 74735 need to respect the fundamentals at play. Home values of $210K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $210K asset, 74735 is the wrong submarket. If the plan prices in friction, the yield can still work.

Within OK, ZIP 74735 trails on several market indicators that neighboring Choctaw County submarkets outperform. The gap is real and impressive enough to shape underwriting.

Resident income in 74735 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

New investors are better served looking at Fort Towson's stable or hybrid ZIPs before stepping into 74735. The learning curve here is expensive when the lesson is wrong.

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 Fort Towson:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+8.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $999/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$222K$189K$156K$124K$91K$59KJul 2006Jul 2016Jul 2026

📊 How Does 74735 Compare?

Metric 74735 Fort Towson Oklahoma
Home Value $210,363 $210,363 $214,563
5-Year CAGR 6.5% 6.5% 6.9%
Avg Rent $999 $999 -
Cap Rate 3.7% 3.7% -
💡 Why Invest in 74735? 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 74735 (Fort Towson, OK). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+6.5%
Strong

📊 Market Snapshot

Home Value $210,363
Monthly Rent $999
Price-to-Rent 17.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.7%
Cap Rate 3.7%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +8.1% ▲
3-Year CAGR +4.7% ▲
5-Year CAGR +6.5% ▲
10-Year CAGR +7.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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.

Vacancy
20.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.5%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 74735

Population: 2,075

💰 Median Household Income
$54,821
This area
$54,821
State
$58,994
USA
$74,580
🏠 Renter Occupied
20.6%
This area
20.6%
State
25.6%
USA
34.0%
💼 Unemployment Rate
5.9%
This area
5.9%
State
-1.8%
USA
3.7%
🎓 College Educated
13.1%
This area
13.1%
State
14.2%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
30.2 years
USA
38.9 years
🏚️ Vacancy Rate
20.9%
This area
20.9%
State
20.2%
USA
10.5%
👥 Population by Ethnicity
White 71.5%
Other/Mixed 26.8%
Hispanic/Latino 1.6%
Black/African American 1.3%
Asian 0.5%
👶 Under 18
22.3%
This area
22.3%
USA
22.0%
👴 65 and Over
22.6%
This area
22.6%
USA
17.3%
📊 Poverty Rate
11.5%
This area
11.5%
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 74735

A Avg School Grade
3 Schools
12.9:1 Avg Class Size
$19,018 Avg Per Pupil

Schools in This ZIP Code

A Very Good

FORT TOWSON JHS

📚 07 – 08 Middle
👥
51 Students
👨‍🏫
10.2:1 Class Size
💰
$19,018 Per Student
A Very Good

FORT TOWSON ES

📚 Pre-K – 06 School
👥
198 Students
👨‍🏫
14.5:1 Class Size
💰
$19,018 Per Student
B+ Above Average

FORT TOWSON HS

📚 09 – 12 High School
👥
77 Students
👨‍🏫
14.0:1 Class Size
💰
$19,018 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 best play in Fort Towson, OK?

For Fort Towson, OK, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How strong are rents in Fort Towson, OK?

The typical rental in Fort Towson, OK commands about $999/mo monthly. That rent profile consistent cash flow against the $210K purchase basis.

How deep is the rental pool in Fort Towson, OK?

Expect a solid tenant pool in Fort Towson, OK. The rental market absorbs $999/mo rents without meaningful friction.

Is Fort Towson, OK a good market for FHA house hackers?

Fort Towson, OK offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $999/mo rent level.

Is Fort Towson in OK worth investing in?

Our data puts Fort Towson, OK at 3.0/5 for investability. Home prices of $210K and rents around $999/mo create a solid backdrop for investor activity.

You know 74735 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 74735 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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