The story of this market
The typical home in Pontotoc County, Oklahoma sells for about $218,950, or $134 per square foot.
Prices are up +13.1% from a year ago, so sellers still have some momentum. Homes take about 56 days to sell. Over the long run, values in this county have grown 114% since 2000. Last year 4 of 7 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is ice storm, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $982 a month.
HUD sets the fair market rent for a 2-bedroom at $982 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+14.9%). Worst: 2012 (-3.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+1.7%
OK · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,218
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 7 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
73
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $21,280,876.
Mortgage activity
Home lending in this county
77%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1066 | 577 | 77% | 11.6% | $150,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Pontotoc County, Oklahoma
The Pontotoc County housing market shows moderate price appreciation with a median sale price of $218,950 as of June 2026. While inventory levels have increased, the market remains active with a steady pace of sales. Demand appears resilient, supported by consistent population growth in the county.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 1 city · 7 ZIP reports
Median prices moved up 0.2% year over year.
Homes spend a median of 57 days on market with 0.0 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 83.71% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 0.0% · poverty 12.6% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 5 researched ZIP reports of 7 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 28
researched Sep 28
researched Sep 28
researched Sep 28
researched Sep 28
researched Sep 29
researched Sep 29
| 74820 | Ada | $185,000 | $115 | -2.1% | 68 | 96.5% | 12% | 6.3 | 264 | $1,150 | researched Sep 28 |
| 74821 | — | $209,375 | $115 | — | 58 | 92% | — | — | 59 | $982 | researched Sep 28 |
| 74842 | Fittstown | $135,000 | $98 | +2.4% | 72 | 96.5% | 12% | 4.6 | 14 | $950 | researched Sep 28 |
| 74843 | Fitzhugh | $288,200 | — | — | — | — | — | — | — | $982 | researched Sep 28 |
| 74844 | — | $86,700 | $98 | +2.4% | 62 | 97.5% | 12% | 4.6 | 14 | $950 | researched Sep 28 |
| 74865 | Roff | $190,000 | $132 | +4.2% | 78 | 97.5% | 12% | 6.5 | 26 | $950 | researched Sep 29 |
| 74871 | — | $175,000 | $90,145 | +2.8% | 50 | — | 8.7% | — | 105 | $982 | researched Sep 29 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
- Springs at the Artesian4.325 mi
- Lazer Zone Family Fun Center4.32 mi
- Rivermist Casino3.711.9 mi
- Ada Gaming Center3.81.6 mi
- Cinemark Ada4.51.6 mi
- Oklahoma Sports Park4.511.6 mi
- Chickasaw Cultural Center4.826.8 mi
- Chickasaw Visitor Center4.825 mi
- Pontotoc County Court House4.10.9 mi
- Seminole Nation Museum4.628.3 mi
- Wintersmith Park4.70.9 mi
- Legacy Prom & Bridal4.68.8 mi
- Ada Dog Park4.51.5 mi
- North Hills Shopping Center4.21.7 mi
- Arlington Shopping Center4.21.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Census Reporter profile for Pontotoc County, OK
Oklahoma allows for both judicial foreclosure and non-judicial foreclosure (power of sale) if the mortgage instrument contains a power of sale clause. The process involves specific notice requirements and trial/judgment procedures for judicial actions.
Oklahoma Statutes Title 60, Sections 125-127
Sellers of residential property are required to provide a written disclosure statement regarding the condition of the property to the purchaser, unless the transfer is specifically exempted (e.g., foreclosure, transfers between co-owners or spouses).
Oklahoma Statutes Title 60, Section 838; Oklahoma Real Estate License Code
Property is assessed at a ratio between 10% and 22.85% of fair cash value as determined by the county. Annual increases in assessed value for homestead and agricultural property are capped at 3% per year. Tax is calculated by applying the local millage rate to the assessed value.
Oklahoma Constitution Article X, Section 8B; Oklahoma Statutes Title 68
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.