Real Estate Investing in Clayton, Oklahoma (74536)

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

Pushmataha County • Population: 1,411 • Data updated: September 2026

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Should you buy in 74536 (Clayton, OK)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

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: 28.5% 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 Clayton, OK (74536)?

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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 $167,042
Avg Monthly Rent $936
1% Rule ✗ Does Not Meet
Median Income $44,500
% Renters 31.4%

Market Analysis: 74536 Clayton

Looking more closely, ZIP 74536 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $167K median. It rewards specialists, not generalists.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 74536 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

ZIP 74536's metrics run below Pushmataha County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

A significant renter share of 31% in 74536 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Experienced landlords with local relationships tend to find 74536 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

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 Clayton:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+15.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $936/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)

$175K$154K$132K$110K$88K$66KFeb 2016May 2021Jul 2026

📊 How Does 74536 Compare?

Metric 74536 Clayton Oklahoma
Home Value $167,042 $167,042 $214,563
5-Year CAGR 7.5% 7.5% 6.9%
Avg Rent $936 $936 -
Cap Rate 4.4% 4.4% -
💡 Why Invest in 74536? 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 74536 (Clayton, OK). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.4%
Fair
5yr Growth
+7.5%
Strong

📊 Market Snapshot

Home Value $167,042
Monthly Rent $936
Price-to-Rent 14.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.7%
Cap Rate 4.4%
5-Year IRR 11.9%

📈 Home Appreciation

1-Year +15.4% ▲
3-Year CAGR +6.7% ▲
5-Year CAGR +7.5% ▲
10-Year CAGR +8.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

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.

Vacancy
28.5%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.5%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 74536

Population: 1,411

💰 Median Household Income
$44,500
This area
$44,500
State
$58,994
USA
$74,580
🏠 Renter Occupied
31.4%
This area
31.4%
State
25.6%
USA
34.0%
💼 Unemployment Rate
4.3%
This area
4.3%
State
-1.8%
USA
3.7%
🎓 College Educated
12.7%
This area
12.7%
State
14.2%
USA
33.7%
👤 Median Age
45.1 years
This area
45.1 years
State
30.2 years
USA
38.9 years
🏚️ Vacancy Rate
28.5%
This area
28.5%
State
20.2%
USA
10.5%
👥 Population by Ethnicity
White 65.4%
Other/Mixed 33.9%
Hispanic/Latino 1.6%
Black/African American 0.7%
👶 Under 18
18.5%
This area
18.5%
USA
22.0%
👴 65 and Over
27.7%
This area
27.7%
USA
17.3%
📊 Poverty Rate
15.5%
This area
15.5%
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 74536

A Avg School Grade
2 Schools
13.1:1 Avg Class Size
$19,986 Avg Per Pupil

Schools in This ZIP Code

A Very Good

CLAYTON HS

📚 09 – 12 High School
👥
106 Students
👨‍🏫
13.9:1 Class Size
💰
$19,986 Per Student
A Very Good

CRAIN ES

📚 Pre-K – 08 School
👥
133 Students
👨‍🏫
12.3:1 Class Size
💰
$19,986 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

How much should I expect to pay for a home in Clayton, OK?

Typical homes in Clayton, OK go for around $167K. The 5-year CAGR of 0.0% reliable price movement.

How much rent can I charge in Clayton, OK?

Rents in Clayton, OK run near $936/mo. Compared with median home prices of $167K that produces solid gross yields for typical rentals.

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

Most investors in Clayton, OK run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

Is Clayton, OK suited for a house hack?

For house hackers, Clayton, OK is a challenging. The $936/mo rent on a unit helps defray the mortgage on a $167K property.

Is rental property easy to operate in Clayton, OK?

The landlord environment in Clayton, OK is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 74536 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 74536 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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