The story of this market
The typical home in ZIP 74865 sells for about $190,000, or $132 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 78 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $950 a month.
ZIP 74865 — Roff
The housing market in 74865 is stable with low inventory and modest price appreciation. Demand is driven by local buyers seeking affordability, though the limited sales volume reflects the rural nature of the area.
This ZIP is best suited for families and individuals seeking an affordable, quiet rural lifestyle who are comfortable with a commute to nearby regional centers.
Median prices moved up 4.2% year over year.
Homes spend a median of 78 days on market with 6.5 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.8% · poverty 15.2% — a stable, low-distress 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 8.0%/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 7.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 74865, Pontotoc 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 the Roff area are generally low and consistent with rural Oklahoma trends, though specific localized data is limited.
The area is served by Roff Public Schools, which maintains a small-town educational environment with limited extracurricular offerings compared to larger districts.
The region is subject to standard Oklahoma risks, including severe thunderstorms, tornadoes, and occasional wildfire threats during dry seasons.
Economic momentum is modest, driven primarily by local agriculture, small-scale retail, and proximity to regional employment hubs in Ada.
Property taxes are assessed at the county level based on fair market value, with standard homestead exemptions available for primary residences.
Commuting is primarily car-dependent, with residents typically driving to Ada for major employment, shopping, and services.
Recreation is centered on outdoor activities, including local parks and proximity to rural hunting and fishing areas.
The rental market is limited in depth, consisting mostly of single-family homes with low turnover and minimal institutional investor presence.
The local economy is anchored by agriculture and small businesses, with many residents commuting to Ada for employment in education, healthcare, and government.
Public transit is not available; the area relies entirely on private vehicle transportation via state highways.
There are no major large-scale commercial or residential developments currently approved or under construction in this ZIP.
The Pontotoc County Assessor manages property valuations, typically reassessing based on market trends and property improvements.
Parcels are subject to local school district taxes and county-level levies for emergency services and road maintenance.
Property insurance premiums are influenced by regional exposure to severe weather, including wind and hail damage common in Oklahoma.
Data retrieved from data.census.gov ZCTA 74865 profile.
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.
- Springs at the Artesian4.311.1 mi
- Little Niagara Falls4.710.5 mi
- Travertine Nature Center4.810.5 mi
- Bear Falls4.710.8 mi
- Chickasaw Cultural Center4.813 mi
- Chickasaw Visitor Center4.811.2 mi
- Pontotoc County Court House4.113.8 mi
- Little Niagara Falls4.710.5 mi
- Travertine Nature Center4.810.5 mi
- Legacy Prom & Bridal4.611.7 mi
- Vendome Well & Flower Park4.711.4 mi
- Dog Trade4.610.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local community park providing basic recreational space.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.