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Area data

Ponca city, OK — ZIP 74604

Population: 12,189 (Census ACS)

The median home value in ZIP 74604 (Ponca city, OK) is $223,568 — up 4.7% over the past year. Homes sell for a median $180,000 after a median 27 days on market. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with coldwave, icestorm, tornado the top-rated hazards. Cost of living is 11.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$223,568

Median home value

+4.7%

1-year change

27

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$223,568
1-year appreciation
+4.7%
3-year appreciation
+9.6%
5-year appreciation
+24.2%
10-year appreciation
+57.9%
All-time peak (2026-07)
$223,568
House Price Index (state)
387.2 (+3.0% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$180,000
Median list price
$172,500
Median price per sqft
$123
Median days on market
27 days
Homes sold (recent period)
2
For-sale inventory
67
Sale-to-list ratio
100.0%
Active listings
1
1-year forecast
+0.7%
New listings (monthly)
18

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$690/mo
1BR fair-market rent
$730/mo
2BR fair-market rent
$940/mo
3BR fair-market rent
$1,250/mo
4BR fair-market rent
$1,410/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Low)
88.5 (100 = US avg)
Electricity rate (state-level)
13.1¢/kWh
Natural gas rate (state-level)
$14.00/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
4
Elementary schools
4
Middle schools
0
High schools
0
School districts serving the area
KILDARE, MCCORD, PONCA CITY
Schools include
KILDARE PUBLIC SCHOOL, MCCORD PUBLIC SCHOOL, E. M. TROUT ES, WOODLANDS ES

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
coldWave, iceStorm, tornado, drought, hail
Notable hazard ratings (county)
coldWave: Relatively High · drought: Relatively Moderate · hail: Relatively Moderate · heatWave: Relatively Moderate · iceStorm: Relatively High · inlandFlooding: Relatively Low
FEMA flood zone
X
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 87% of US counties
Buildings in wildfire direct-exposure zone
30.7%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
62.0°F
Average high
71.0°F
Average low
52.0°F
Annual precipitation
33.8 in
Annual snowfall
5.3 in
USDA plant hardiness zone
7a (extreme annual low 0 to 5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
49
Days with Good air quality
172
Days with Moderate air quality
162
Highest AQI recorded (year)
122

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
7.8 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
5,123
Jobs reachable by transit (45 min)
5,327

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
11
Nearest airport
Thomas Landing Airport (3 mi)
Nearest major airport
Ponca City Regional Airport (PNC) (7 mi)
Hospitals nearby (~15 mi)
2
Hospitals include
INTEGRIS HEALTH PONCA CITY, STILLWATER MEDICAL-BLACKWELL
Avg hospital rating (CMS)
3.0 / 5
Best hospital rating nearby (CMS)
3.0 / 5
Solar radiation rating
Good (4.6 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+69 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,977
Housing built before 1970
32.4%
Housing built 2000 or later
11.8%
Median annual property tax
$1,448
Mean commute to work
17 min
Households with broadband internet
65.2%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
13,189
Average weekly wage
$984
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
15

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 74604State medianUS median
Median home value$223,568$184,904$289,727
Median sale price$180,000$213,750$325,000
Median days on market27 days57 days51 days
Median annual property tax$1,448$830$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 74604?
$223,568.
What is the median sale price in ZIP 74604?
$180,000.
How long do homes take to sell in ZIP 74604?
Median days on market: 27 days.
What is typical rent in ZIP 74604?
2-bedroom fair-market rent: $940/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 74604?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: coldWave, iceStorm, tornado, drought, hail.
Is ZIP 74604 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone X.
What is the wildfire risk in ZIP 74604?
Risk to homes is higher than 87% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 74604?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 74604?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 74604?
4 schools (4 elementary) (NCES, 2022-23).
Is ZIP 74604 walkable?
Walkability index: 7.8/20 (EPA Smart Location Database).
What is the air quality in ZIP 74604?
Good. Median AQI: 49. (EPA AQI).
What is the cost of living in ZIP 74604?
Regional Price Parity: 88.5 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

Selling a home in Ponca city, OK?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents