Stillwater, OK—74074
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Stillwater, OK
Home Price Trends — Stillwater, OK
As of Oct '25, the median home price in Stillwater, OK is $265,000, with a year-over-year change of 3.1%. This indicates that home prices in Stillwater, OK are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $265,000 | 3.1% |
| Single Family | $265,000 | 3.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $143,000 | 11.7% |
2 Bed | $148,000 | 6.5% |
3 Bed | $252,000 | 3.3% |
4 Bed | $376,000 | 2.7% |
| 5 Bed | $556,000 | 2.4% |
% of Housing Stock
Rental Trends — Stillwater, OK
As of July '25, Rentcast reports the average rent in Stillwater, OK is $1,180, with a year-over-year rent change of 4.4%. Per bedroom, the median rent as of July '25 in Stillwater, OK is 1-bedrooms: $678, 2-bedrooms: $1,140, 3-bedrooms: $1,110, 4-bedrooms: $2,030. The most common rental property sizes in Stillwater, OK are 3-bedroom and 2-bedroom, accounting for 32.0% and 31.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $900 | $1,180 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $600 | $678 |
| 2 Bed Rent | $1,050 | $1,140 |
| 3 Bed Rent | $865 | $1,110 |
| 4 Bed Rent | $1,950 | $2,030 |
% of Rental Stock
Property Listings — Stillwater, OK
As of Oct '25, Realtor.com reports that the median days on market for a home in Stillwater, OK is 54. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $350,000 | 16.0% |
Listing Count | 139 | -21.0% |
| Listings as % of Homes | 0.5% | -21.0% |
Days on Market | 54 | -4.0% |
Demographics — Stillwater, OK
As of the latest ACS Survey released in 2023, Stillwater, OK has a population of 31,900, which has decreased by -2.7% over the past 5 years. Stillwater, OK is a moderately popular place for families, as children make up 18.9% of the population. The area has a highly educated workforce, with 50.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 31,900 | -2.7% |
% Under 18 | 18.9% | -4.1% |
% Seniors | 12.3% | 23.0% |
% WFH | 8.7% | 190.0% |
% w/ College Degree | 50.9% | 8.1% |
As of the latest ACS Survey released in 2023, Stillwater, OK is a predominantly white area, with 76.2% of the population identifying as white. The white population has shrunk by 1.9% in the last 5 years. The second most common race or ethnicity in Stillwater, OK is hispanic, making up 5.8% of the population. Foreign-born residents account for 5.8% of the population in Stillwater, OK, and this percentage has decreased by 14.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 76.2% | -1.9% |
% Black | 3.5% | -14.6% |
% Hispanic | 5.8% | 13.7% |
% Asian | 3.6% | -7.7% |
% Foreign Born | 5.8% | -14.7% |
Mortgage and Risk — Stillwater, OK
According to HUD data as of 2023, there were 454 mortgage originations in Stillwater, OK, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Stillwater, OK. Investor activity is low, as 8.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 454 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 8.0% |
% Second Loans | 4.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Stillwater, OK
Stillwater, OK lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 571 |
Total Units Section 8 | 455 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 91.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $280 | $600 | $880 |
| 2 Bedroom | $30 | $1,050 | $1,080 |
| 3 Bedroom | $645 | $865 | $1,510 |
| 4 Bedroom | -$320 | $1,950 | $1,630 |
Affordability — Stillwater, OK
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $265,000 |
| Median Household Income | $50,200 |