Real Estate Investing in Ada, Oklahoma (74820)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 74820 (Ada, OK)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 14.6% of homes vacant — above national norms.
What’s happening in Ada, OK (74820)?
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Market Analysis: 74820 Ada
This part of Pontotoc County is not an easy win. The 74820 ZIP reflects softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The investment case in 74820 is solid only for operators who understand what they are buying. A $189K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
On the rental side, 74820 offers a low basis, the region around Ada has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Resident income in 74820 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 Ada's stable or hybrid ZIPs before stepping into 74820. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Ada:
Property Strategy for 74820
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $91,691 | $1,040 | 8.2% | +6.3% | $45,846 |
| 3BR | $180,226 | $1,290 | 5.2% | +6.9% | $60,075 |
| 4BR | $296,318 | $1,400 | 3.4% | +6.9% | $74,080 |
| 5BR | $416,081 | — | — | +6.5% | $83,216 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 74820 Compare?
| Metric | 74820 | Ada | Ada, OK | Oklahoma |
|---|---|---|---|---|
| Home Value | $189,140 | $189,140 | N/A | $214,563 |
| 5-Year CAGR | 5.1% | 5.1% | N/A | 6.9% |
| Avg Rent | $1,069 | $1,069 | N/A | - |
| Cap Rate | 4.4% | 4.4% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 74820 (Ada, OK). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $189,140 |
| Monthly Rent | $1,069 |
| Price-to-Rent | 14.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.8% |
| Cap Rate | 4.4% |
| 5-Year IRR | 9.5% |
📈 Home Appreciation
| 1-Year | +7.2% ▲ |
| 3-Year CAGR | +1.9% ▲ |
| 5-Year CAGR | +5.1% ▲ |
| 10-Year CAGR | +5.1% ▲ |
🏠 Rent Trends
| 1-Year | +8.4% ▲ |
| 3-Year CAGR | +5.6% ▲ |
| 5-Year CAGR | N/A |
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.
Demographics in 74820
Population: 31,679
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 74820
Schools in This ZIP Code
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the average home sale price in Ada, OK?
Ada, OK home values average about $189K. That price point suits investors targeting rentals with $1,069/mo in monthly income.
How does Ada, OK stack up for property investment?
With a 3.0/5 investability score, Ada, OK ranks as a solid market for rental property investors. Median prices of $189K and rents of $1,069/mo drive the underlying numbers.
What is the typical vacancy rate in Ada, OK?
Expect elevated vacancy in Ada, OK. Rents at $1,069/mo are absorbed by the tenant base without meaningful lag.
Does a duplex house hack pencil in Ada, OK?
House hacking works a challenging in Ada, OK. Rents of $1,069/mo against $189K acquisition make the strategy solid for owner-occupants.
Is it easy to find good tenants in Ada, OK?
Ada, OK offers a consistent renter base at the $1,069/mo rent level. Tenant turnover is reasonable for well-managed properties.
You know 74820 now. You don’t know where it ranks.
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