Ponca City, OK—74604
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Ponca City, OK
Home Price Trends — Ponca City, OK
As of Oct '25, the median home price in Ponca City, OK is $213,000, with a year-over-year change of 4.7%. This indicates that home prices in Ponca City, OK are increasing. According to Zillow, the 1-year price projection is 0.3%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $213,000 | 4.7% |
| Single Family | $213,000 | 4.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $137,000 | 0.0% |
3 Bed | $201,000 | 5.8% |
4 Bed | $297,000 | 4.6% |
| 5 Bed | $425,000 | 4.4% |
% of Housing Stock
Rental Trends — Ponca City, OK
As of July '25, Rentcast reports the average rent in Ponca City, OK is $1,650, with a year-over-year rent change of 26.9%. Per bedroom, the median rent as of July '25 in Ponca City, OK is 3-bedrooms: $1,650. The most common rental property sizes in Ponca City, OK are 2-bedroom and 3-bedroom, accounting for 35.1% and 31.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,650 | $1,650 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,650 | $1,650 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Ponca City, OK
As of Oct '25, Realtor.com reports that the median days on market for a home in Ponca City, OK is 48. This is a decrease of -27.0% 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 37.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $232,000 | -14.0% |
Listing Count | 59 | -24.0% |
| Listings as % of Homes | 1.0% | -24.0% |
Days on Market | 48 | -27.0% |
Demographics — Ponca City, OK
As of the latest ACS Survey released in 2023, Ponca City, OK has a population of 12,400, which has decreased by -1.8% over the past 5 years. Ponca City, OK is a moderately popular place for families, as children make up 21.3% of the population. The area has a moderately educated workforce, with 28.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 12,400 | -1.8% |
% Under 18 | 21.3% | -11.2% |
% Seniors | 25.2% | 5.0% |
% WFH | 3.6% | 24.1% |
% w/ College Degree | 28.6% | -3.1% |
As of the latest ACS Survey released in 2023, Ponca City, OK is a predominantly white area, with 80.7% of the population identifying as white. The white population has shrunk by 4.7% in the last 5 years. The second most common race or ethnicity in Ponca City, OK is hispanic, making up 5.3% of the population. Foreign-born residents account for 2.2% of the population in Ponca City, OK, and this percentage has increased by 4.8% 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 | 80.7% | -4.7% |
% Black | 1.1% | -15.4% |
% Hispanic | 5.3% | 47.2% |
% Asian | 0.3% | -62.5% |
% Foreign Born | 2.2% | 4.8% |
Mortgage and Risk — Ponca City, OK
According to HUD data as of 2023, there were 208 mortgage originations in Ponca City, OK, of which 69.0% of loans were conventional mortgages. The average loan-to-value was 71.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Ponca City, OK. Investor activity is low, as 7.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 208 |
% Conventional Loans | 69.0% |
% Government Loans | 31.0% |
% Investor Loans | 7.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Ponca City, OK
Ponca City, OK lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 95 |
Total Units Section 8 | 73 |
% Rentals under Section 8 | 10.0% |
% Occupied Section 8 | 87.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $810 |
| 2 Bedroom | N/A | N/A | $1,020 |
| 3 Bedroom | -$300 | $1,650 | $1,350 |
| 4 Bedroom | N/A | N/A | $1,560 |
Affordability — Ponca City, OK
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $213,000 |
| Median Household Income | $84,200 |