The story of this market
The typical home in ZIP 74426 sells for about $186,000, or $115 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 88 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $950 a month.
ZIP 74426 — Checotah
The 74426 housing market is a balanced, rural-focused environment where affordability remains a key driver. While median prices have seen modest growth, high vacancy rates and the seasonal nature of lake-adjacent properties necessitate careful due diligence for investors. Market activity is stable, with demand primarily supported by local residents and those seeking recreational property.
This ZIP is best suited for retirees and outdoor enthusiasts attracted to lake-front living, as well as budget-conscious families seeking affordable rural housing.
Median prices moved up 2.1% year over year.
Homes spend a median of 88 days on market with 8.7 months of supply — a slower-moving market.
12% of listings have cut prices · homes sell at 95% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 6.2% · poverty 19.5% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 1.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 74426, McIntosh County OK
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Checotah are generally consistent with rural eastern Oklahoma trends, with property crime being the primary concern relative to regional averages.
Schools serving the area are primarily managed by Checotah Public Schools, which generally maintain average performance ratings within the state accountability framework.
The area faces moderate risks related to severe weather, including high winds and occasional flooding near Lake Eufaula, necessitating standard hazard insurance coverage.
Economic momentum is driven by tourism and recreation associated with Lake Eufaula, alongside local retail and service sectors in the Checotah city center.
Property taxes are assessed by McIntosh County based on fair market value, with standard homestead exemptions available for primary residences.
Commuting is primarily car-dependent, with residents utilizing US-69 for access to regional employment hubs in Muskogee and McAlester.
The area is anchored by Lake Eufaula, offering extensive boating, fishing, and camping opportunities, alongside local parks and community facilities in Checotah.
The rental market is characterized by high vacancy rates and a reliance on single-family housing stock, with limited multi-family development.
The local economy is heavily influenced by the tourism and hospitality sectors centered on Lake Eufaula, supported by local government and retail services.
Transportation is dominated by private vehicle use, with US-69 serving as the primary north-south arterial corridor for the region.
Development is largely focused on residential expansion near the lakefront and small-scale commercial improvements in the city of Checotah.
The McIntosh County Assessor manages property valuations, utilizing annual market analysis to determine taxable values for residential parcels.
Parcels are subject to local school district taxes and county-wide levies for emergency services and road maintenance.
Property insurance premiums are influenced by regional exposure to severe convective storms and wind events common in eastern Oklahoma.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Major regional reservoir providing extensive fishing, boating, and recreational access.
Significant Civil War site located nearby, serving as a major regional landmark.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.