Real Estate Investing in Stuart, Oklahoma (74570)

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

Hughes • Population: 1,212 • Data updated: September 2026

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Should you buy in 74570 (Stuart, 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: 30.2% 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 Stuart, OK (74570)?

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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 $213,269
Avg Monthly Rent $846
1% Rule ✗ Does Not Meet
Median Income $55,000
% Renters 12.5%

Market Analysis: 74570 Stuart

This part of Hughes is not an easy win. The 74570 ZIP clocks in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $213K asset, 74570 is the wrong submarket. If the plan prices in friction, the yield can still work.

Within OK, ZIP 74570 trails on several market indicators that neighboring Hughes submarkets outperform. The gap is real and substantial enough to shape underwriting.

Who lives in 74570 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

New investors are better served looking at Stuart's stable or hybrid ZIPs before stepping into 74570. 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 Stuart:

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 3.9× the median income
Value Trend
Rising (+15.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $846/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)

$224K$193K$161K$129K$98K$66KJul 2006Jul 2016Jul 2026

📊 How Does 74570 Compare?

Metric 74570 Stuart Oklahoma
Home Value $213,269 $213,269 $214,563
5-Year CAGR 6.9% 6.9% 6.9%
Avg Rent $846 $846 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 74570? 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 74570 (Stuart, OK). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+6.9%
Strong

📊 Market Snapshot

Home Value $213,269
Monthly Rent $846
Price-to-Rent 21.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 10.0%

📈 Home Appreciation

1-Year +15.1% ▲
3-Year CAGR +8.2% ▲
5-Year CAGR +6.9% ▲
10-Year CAGR +8.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
30.2%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.9%
Growing
Eviction process: Moderate Rent control: Favorable

Demographics in 74570

Population: 1,212

💰 Median Household Income
$55,000
This area
$55,000
State
$58,994
USA
$74,580
🏠 Renter Occupied
12.5%
This area
12.5%
State
25.6%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-1.8%
USA
3.7%
🎓 College Educated
27.9%
This area
27.9%
State
14.2%
USA
33.7%
👤 Median Age
60.2 years
This area
60.2 years
State
30.2 years
USA
38.9 years
🏚️ Vacancy Rate
30.2%
This area
30.2%
State
20.2%
USA
10.5%
👥 Population by Ethnicity
White 81.8%
Other/Mixed 17.8%
Hispanic/Latino 1.1%
Asian 0.5%
👶 Under 18
14.5%
This area
14.5%
USA
22.0%
👴 65 and Over
44.3%
This area
44.3%
USA
17.3%
📊 Poverty Rate
9.3%
This area
9.3%
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 74570

A Avg School Grade
2 Schools
11.2:1 Avg Class Size
$18,554 Avg Per Pupil

Schools in This ZIP Code

A Very Good

STUART ES

📚 Pre-K – 08 School
👥
129 Students
👨‍🏫
10.3:1 Class Size
💰
$18,554 Per Student
B+ Above Average

STUART HS

📚 09 – 12 High School
👥
71 Students
👨‍🏫
12.0:1 Class Size
💰
$18,554 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

Which investment style suits Stuart, OK?

A careful cash-flow rentals with hands-on management strategy Stuart, OK best. The market produces even-keeled results for that approach at the $213K price point.

Is the tenant base reliable in Stuart, OK?

Tenant demand in Stuart, OK is solid. The local workforce $846/mo rents across most rental classes.

Is Stuart in OK worth investing in?

Our data puts Stuart, OK at 3.0/5 for investability. Home prices of $213K and rents around $846/mo create a solid backdrop for investor activity.

Does a duplex house hack pencil in Stuart, OK?

The a challenging house-hack environment in Stuart, OK reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How high is vacancy risk in Stuart, OK?

Stuart, OK carries elevated vacancy risk. Expect even-keeled absorption at market rents of $846/mo.

You know 74570 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 74570 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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