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Noble County/Ponca City/74601

74601

ZIPSAFMR
Noble County, OK
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$660$660
1 BR$730$730
2 BR$950$950
3 BR$1,240$1,240
4 BR$1,410$1,410
5 BR$1,621Not available
6 BR$1,865Not available
7 BR$2,144Not available
8 BR$2,466Not available

Purchase Price Calculator

Maximum purchase price
$79,253

Cost breakdown

+Likely effective rent$950
HUD FMRUsed$950
Market rentN/A
Est. payment standardN/A
-Principal and interest-$401
Loan amount$63,402
Down payment$15,851
Rate6.50%
Term30 years
-Operating costs-$349
Property taxes-$79
Insurance-$175
Utilities$0
HOA$0
Management-$95
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,565(98.2% ROI)
Projected value
$85,347
Return breakdown
Property appreciation+$6,094
Loan principal paid down+$2,272
Rental cash flow+$7,200
5-year hold
+$26,465(167.0% ROI)
Projected value
$89,668
Return breakdown
Property appreciation+$10,415
Loan principal paid down+$4,051
Rental cash flow+$12,000
10-year hold
+$55,850(352.4% ROI)
Projected value
$101,451
Return breakdown
Property appreciation+$22,198
Loan principal paid down+$9,652
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 74601 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 74601 (Ponca City, OK) is $950 a month. That is down 1.0% from $960 in FY 2026. Ponca City is in the Noble County, OK non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $916. Among 11 ZIP codes in Noble County, 74601 is tied for the 3rd-highest two-bedroom rent (county range $920–$1,250). The median county two-bedroom FMR in Oklahoma is $916, so ZIP 74601 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 74601
BedroomsFY 2027Change90–110% range
Studio$6600.0%$594–$726
1BR$730−1.4%$657–$803
2BR$950−1.0%$855–$1,045
3BR$1,240−3.1%$1,116–$1,364
4BR$1,410+2.2%$1,269–$1,551

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 74601
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$660$730$950$1,240$1,410
FY 2026$660$740$960$1,280$1,380
FY 2025$620$720$910$1,200$1,370
FY 2024area FMR$677$794$891$1,256$1,512
FY 2023area FMR$619$706$797$1,133$1,358

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Noble County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 74601
73061$1,250+31.6%
73073$920−3.2%
73077$940−1.1%
73757$9500.0%
74032$940−1.1%
74075$1,080+13.7%
74601Current$950—
74630$930−2.1%
74644$920−3.2%
74651$920−3.2%
74653$920−3.2%

Questions about ZIP 74601 rents

How much will Section 8 pay for a two-bedroom in ZIP 74601?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $916, which applies unless the housing authority uses Small Area FMRs, that basic range is $824 to $1,008 a month; under the ZIP-level Small Area FMR of $950 it would be $855 to $1,045. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 74601 in?

ZIP 74601 is in the Noble County, OK non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $916.

How much did fair market rent change in ZIP 74601 for FY 2027?

The two-bedroom FMR fell 1.0%, from $960 in FY 2026 to $950 in FY 2027. Since FY 2025 it has risen 4.4%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentPonca City, OK fair market rentOK statewide rentsWhat is SAFMR?Data sources