Stillwater, OK—74075
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 $243,000, with a year-over-year change of 4.2%. This indicates that home prices in Stillwater, OK are increasing. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $243,000 | 4.2% |
| Single Family | $244,000 | 4.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $176,000 | 6.0% |
3 Bed | $234,000 | 4.5% |
4 Bed | $319,000 | 3.9% |
| 5 Bed | $500,000 | 5.0% |
% of Housing Stock
Rental Trends — Stillwater, OK
As of July '25, Rentcast reports the average rent in Stillwater, OK is $1,510, with a year-over-year rent change of 3.4%. Per bedroom, the median rent as of July '25 in Stillwater, OK is 1-bedrooms: $961, 2-bedrooms: $1,220, 3-bedrooms: $1,620, 4-bedrooms: $2,380. The most common rental property sizes in Stillwater, OK are 2-bedroom and 3-bedroom, accounting for 38.6% and 28.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,450 | $1,510 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $900 | $961 |
| 2 Bed Rent | $1,200 | $1,220 |
| 3 Bed Rent | $1,600 | $1,620 |
| 4 Bed Rent | $2,400 | $2,380 |
% 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 48. This is a decrease of -16.0% 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 11.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $293,000 | 3.0% |
Listing Count | 93 | -3.0% |
| Listings as % of Homes | 0.6% | -3.0% |
Days on Market | 48 | -16.0% |
Demographics — Stillwater, OK
As of the latest ACS Survey released in 2023, Stillwater, OK has a population of 26,700, which has increased by 7.2% over the past 5 years. Stillwater, OK is a moderately popular place for families, as children make up 15.3% of the population. The area has a highly educated workforce, with 49.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 26,700 | 7.2% |
% Under 18 | 15.3% | -1.3% |
% Seniors | 10.5% | -2.8% |
% WFH | 9.0% | 181.2% |
% w/ College Degree | 49.5% | 13.3% |
As of the latest ACS Survey released in 2023, Stillwater, OK is a predominantly white area, with 69.4% of the population identifying as white. The white population has shrunk by 5.1% in the last 5 years. The second most common race or ethnicity in Stillwater, OK is asian, making up 7.8% of the population. Foreign-born residents account for 11.7% of the population in Stillwater, OK, and this percentage has increased by 1.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 69.4% | -5.1% |
% Black | 5.3% | 47.2% |
% Hispanic | 6.2% | 29.2% |
% Asian | 7.8% | -3.7% |
% Foreign Born | 11.7% | 1.7% |
Mortgage and Risk — Stillwater, OK
According to HUD data as of 2023, there were 221 mortgage originations in Stillwater, OK, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Stillwater, OK. Investor activity is low, as 13.0% of loans were by investors. 4.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 221 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 13.0% |
% Second Loans | 7.0% |
% Cash Out Refinance | 4.0% |
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 | 343 |
Total Units Section 8 | 301 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$50 | $900 | $850 |
| 2 Bedroom | -$160 | $1,200 | $1,040 |
| 3 Bedroom | -$140 | $1,600 | $1,460 |
| 4 Bedroom | -$830 | $2,400 | $1,570 |
Affordability — Stillwater, OK
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.9 |
| Median Home Price | $243,000 |
| Median Household Income | $45,500 |