Counties / Oklahoma / Creek County

Creek County, OK

FIPS 40037 · population 72,830 · part of Tulsa, OK

$221k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$221k
▲ 3.8% year over year
Zillow ZHVI · direct
Median asking rent
$1,274
n/a year over year
Zillow ZORI · direct
Gross yield
6.9%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$1,217
market rent is 1.05x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+58.1%not annualized · through 2025
0%ZILLOW ZHVI2026-06+3.8%FHFA HPI2025+10.2%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$182k
Surveyed gross rent$936
Rent burden 30%+40.9%
Median year built1985
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
10.7%vacant
31,629estimated housing units
Occupied tenure25.6% renter
owner 74.4%renter 25.6%
Structure mix73.1% single-family
Single-family 73.1%20+ units 1.9%Mobile home 18.3%Other 6.6%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs21,286▼ 0.8% from the prior annual release
Covered establishments1,691annual average reporting locations
Average weekly wage$1,121▲ 5.0% from the prior annual release
Largest private supersectorManufacturing22.7% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS−0.8%WEEKLY WAGE+5.0%Manufacturing22.7%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Creek County presents a measurable income case but not a simple demand conclusion: published asking rent produces a stated gross yield, while workplace employment softness, MLS concessions and inland-flood exposure require property-level verification. It merits investigation by investors able to test insurance, tax and achievable rent locally; those relying on appreciation or headline listing momentum should be cautious. County evidence describes conditions, not a property’s underwriting result.

02Housing economics

The Zillow county median home value is $221,312 and measured median asking rent is $1,274 per month, yielding a supplied gross yield of 6.91% before expenses. The 0.71% effective property-tax rate is a carrying-cost input alongside insurance, repairs and vacancy, none of which is published. Rent is 4.70% above HUD’s two-bedroom FMR, but FMR is a payment standard rather than an estimate of asking rent. Zillow’s value rose 3.83%; FHFA’s repeat-transaction HPI rose 10.16% on its separately labeled annual observation. These methods and vintages should not be averaged or treated as a home value.

03Demand & competition

Realtor.com’s MLS market shows 130 active listings and 20.39% with a price reduction. That is visible asking-market supply and seller concessions, not closed-sale pricing or proof of buyer demand. QCEW covered workplace employment fell 0.76%, though the average covered weekly wage rose 4.96%; Manufacturing is the largest disclosed private supersector, not the whole economy. Migration was net positive by 183 tax-return households, and average AGI of movers-in exceeded movers-out by $12,559. Investor purchase mortgages represented 11.42% of 858 purchases, a defined share of observed financing rather than all buyer competition.

04Risk & next checks

Dominant inland-flood hazard aligns with modeled annual climate loss of 0.19% of building value, a county-level model rather than a parcel loss estimate. Missing evidence prevents a full decision: no insurance quote, flood-zone or claims history, operating expenses, rent comparables by unit type, vacancy, debt terms, or sale-price and transaction-volume data are published. Next checks are parcel flood and insurance review, lease-level rent confirmation, tax assessment, condition, and nearby closed-sales verification.

Cities & communities

Where people live within Creek County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Sapulpa city*22.6KBristow city4.3KMannford town*3.3KStroud city*2.8KKiefer town2.6KDrumright city*2.4KOakhurst CDP*2.2KMounds town*1.1K
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

16 Census places

Population
  1. 01
    Sapulpa cityIncorporated place · spans 2 counties
    22,570
  2. 02
    Bristow cityIncorporated place
    4,272
  3. 03
    Mannford townIncorporated place · spans 3 counties
    3,269
  4. 04
    Stroud cityIncorporated place · spans 2 counties
    2,793
  5. 05
    Kiefer townIncorporated place
    2,639
  6. 06
    Drumright cityIncorporated place · spans 2 counties
    2,361
  7. 07
    Oakhurst CDPCensus-designated place · spans 2 counties
    2,175
  8. 08
    Mounds townIncorporated place · spans 2 counties
    1,059
  9. 09
    Kellyville townIncorporated place
    1,047
  10. 10
    Oilton cityIncorporated place
    921
  11. 11
    Depew townIncorporated place
    391
  12. 12
    Slick townIncorporated place
    142
Show 4 more places
  1. 13
    Lawrence Creek townIncorporated place
    134
  2. 14
    Shamrock townIncorporated place
    94
  3. 15
    Olive CDPCensus-designated place
    78
  4. 16
    Milfay CDPCensus-designated place
    58

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.189% of building value expected lost per year

Effective property tax0.71%

$1,298 median annual bill

02
DemandIRS SOI household flows
Net migration+183

2,346 in · 2,163 out

Arriving vs leaving income+$12,559

$65,453 arriving · $52,894 leaving

03
CompetitionHMDA financed purchases
Purchases by investors11.4%

98 of 858 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings130▼ 5.1% year over year
Median days on market53▼ 9.4% year over year
Listings price-reduced20.4%seller-concession signal
Median listing pricen/a▲ 13.6% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

Same metro

The other counties in Tulsa, OK

A metro is an average of these. Which side of a county line a property sits on can change the tax bill, the hazard profile and the tenant pool.

CountyPopulationPriceRentYieldHazard
Creek County72,830$221k$1,2746.9%inland flooding
Tulsa County680,794$256k$1,3526.3%inland flooding
Rogers County98,610$287k$1,4446.0%inland flooding
Wagoner County86,609$286k$1,6216.8%inland flooding
Osage County45,997$221kn/an/ainland flooding
Okmulgee County36,899$135kn/an/ainland flooding
Pawnee County15,795$179kn/an/ainland flooding
Bear case

What can break the county thesis

  1. Parcel flood exposure or insurance costs could overwhelm the pre-expense yield.
  2. County-level asking rent may not be achievable for the target unit after vacancy and concessions.
  3. Workplace employment softness or manufacturing exposure may weaken tenant and buyer depth.
Underwriting questions

Before pricing a property

Can gross yield be computed from the supplied record?

Yes. The record publishes measured market rent and a gross yield before operating costs.

What does the FHFA figure measure?

It is a repeat-transaction appreciation index, not a home value, and should be interpreted separately from Zillow’s county value measure.

What does the investor share represent?

It is the share of purchase mortgages to non-occupants, not a measure of all cash buyers or all market competition.