ZIP 73130 is both a Zillow ZIP market identifier and a Census ZCTA match; a ZCTA is a statistical area and is not identical to a USPS delivery ZIP. In June 2026, Zillow's ZIP-level ZORI is $1,541 per month, 4.13% above the same month a year earlier. This is a typical observed asking-rent index blended across rental types, not a record of signed leases or a median for one property size. The current reading is therefore a broad price signal, useful for framing the ZIP but not for substituting for an address-specific listing amount.
The backward-looking history shows a positive but slowing growth path. Exact same-month changes annualize to 4.13% over 1 year, 4.73% over 3 years, and 5.86% over 5 years. The latest pace therefore confirms the longer upward direction, while breaking from its faster long-run pace through deceleration rather than a decline. Coverage is 98.39%, annualized monthly-return variability is 3.10%, and the maximum drawdown was -1.95%. Transparent national discovery ranks among history-eligible ZIPs, where lower rank is higher, are 492 for momentum, 1,787 for stability, and 726 for balanced history; they are discovery metadata, not quality grades. The reported variation supports only measured confidence in one current index snapshot, because it remains an aggregate series rather than a guarantee of any listing. These are backward-looking measurements, not forecasts or investment recommendations.
Redfin's direct rolling-three-month ZIP resale observation supplies a separate for-sale tension. Median sold price was $223,949, 5.51% below a year earlier, while 84 homes sold and median marketing time was 25 days. Inventory was 76 homes and months of supply stood at 2.7; the average sale-to-list ratio was 97.47%, with 18.31% of sales above list. Those are direct ZIP resale liquidity and pricing signals, not rental transactions or rental comparables. A declining resale median alongside a rising asking-rent index challenges a simple one-direction reading of the rent history, even though neither series explains the other. Annualized ZIP ZORI divided by median sold price is 8.26%, solely a cross-source screening ratio; it is not a cap rate, net return, expected return, or property yield and carries no expense, financing, or property-specific income information.
Source differences explain why the rent benchmarks should not be merged. The matched ZCTA's ACS 2024 five-year survey puts median gross rent at $1,198 for occupied renter homes; it includes selected utilities and is not a current asking-rent measure. The Zillow index is 28.63% higher, a gap that can reflect different timing, populations, and rent concepts without proving a discrepancy for a unit. The ZIP ZORI stands 15.86% above the local HUD two-bedroom FMR/SAFMR standard for FY2026. HUD is an administrative, bedroom-specific standard rather than asking rent, so it is useful as a scaling reference and should not be read as a market listing quote.
Bedroom figures are modelled estimates, not measured bedroom rents. They scale the ZIP ZORI by the local HUD bedroom ladder, yielding a sequence from studio through four bedrooms of $1,159, $1,263, $1,541, $2,074, and $2,306 per month, respectively. This method preserves HUD's local bedroom differentials while anchoring the level to a mixed-type ZIP asking-rent index. It can provide a consistent size-based orientation across the ladder, but it cannot verify an advertised rent, unit condition, included utilities, lease terms, or whether a particular property belongs to the underlying mix. The estimates should consequently remain a modelled comparison tool rather than be treated as observed bedroom market rents.
The affordability screen is also broad arithmetic, not advice or an applicant qualification rule. At a 30% rent-to-income threshold, the current index requires $61,640 in annual household income. The matched ZCTA's median household income is $71,189, placing the screen below that broad household midpoint, but the comparison does not describe the income of a current renter or a particular applicant. In the ACS survey, 930 of 2,064 renter households, or 45.1%, reported gross-rent burdens at or above the threshold. That burden statistic is a survey result for occupied renter homes; it demonstrates distributional pressure in the survey universe, not the affordability or payment outcome of any specific unit.
The matching ZCTA's housing stock supplies another constraint on interpretation: it contains 9,374 housing units, including 8,407 single-family units, with a 6.9% overall vacancy rate. These area-level stock measures do not establish that any particular home is vacant, for rent, available now, or occupied by a burdened household. For wider context, the Midwest City city-context rent is $1,242, the Oklahoma County county-context rent is $1,359, and the Oklahoma City, OK metro-context rent is $1,393; each is a wider-scope context value rather than a direct ZIP rental comparable. The ZIP index stands above all three, but its source and rental mix should still be checked before treating that spread as a property-level difference.
Several limits converge at the address level. ZORI blends rental types, ACS describes a statistical ZCTA rather than an identical delivery ZIP, HUD is a standard, and Redfin reports resale rather than rental transactions. Before relying on the ZIP evidence for a property, verify the address's applicable ZIP, the live advertised rent, bedroom count, property type, utility inclusions, lease duration, availability date, and any concessions. If the resale comparison matters, match the property to its own sale or listing record and transaction timing instead of applying the ZIP median mechanically. The decisive unresolved question is whether the specific property's current terms and characteristics resemble the data universe being used, since none of these aggregate measures can answer that on its own.
","findings":[{"body":"The June 2026 Zillow index is a ZIP-level, blended asking-rent signal. Its $1,541 reading exceeds the matched ZCTA's $1,198 ACS median gross rent, but the comparison spans current listing-oriented evidence and a five-year survey of occupied renter homes that includes selected utilities. The difference is a scope and timing flag, not evidence that a particular listing is mispriced.","title":"Asking index and occupied-home survey diverge"},{"body":"Same-month rent growth remained positive across the measured horizons, but the latest annual pace was below the three- and five-year annualized rates. The history's reported variability and drawdown provide context for the current index, while its discovery ranks are descriptive national comparisons only. None of these backward-looking metrics predicts future rent movement or establishes property-level performance.","title":"Rent growth stayed positive but decelerated"},{"body":"Redfin's direct ZIP resale data show active for-sale turnover and a relatively short marketing window, yet the median sold price declined from the prior year. That combination conflicts with a simplistic inference from positive asking-rent history. The annualized-rent-to-sale-price figure is useful only as a cross-source screen because sale price, rent index, operating expenses, and financing remain in separate analytical universes.","title":"Resale pricing challenges a simple rent narrative"},{"body":"Modelled bedroom estimates inherit the shape of the HUD ladder rather than being observed rent quotes. The income screen sits below broad ZCTA median household income, while a substantial survey share of renter households reported burdens at or above the threshold. Housing-stock and vacancy figures remain area aggregates, so they cannot confirm actual availability, utility treatment, or affordability for a particular property.","title":"Modelled bedroom and affordability screens have limits"}],"risks":["The ZIP asking-rent index blends rental types and does not identify a particular bedroom count, lease structure, utility package, or property condition; applying it to a listing can overstate precision.","ACS is an older five-year ZCTA survey of occupied renter homes with selected utilities, while a ZCTA is statistical and not identical to a USPS delivery ZIP; comparability to current listing rent is limited.","HUD bedroom standards are administrative benchmarks, and the resulting ladder is modelled from the ZIP index; it cannot replace observed bedroom-specific listings, concessions, utilities, or lease terms.","Redfin resale metrics are direct for-sale observations, but they exclude rental cash flows, operating costs, financing, and property matching; the rent-to-price screen cannot characterize an individual property's economics."],"qa":[{"a":"ZORI is a current ZIP-level typical observed asking-rent index blended across rental types. ACS is a matched-ZCTA five-year survey of occupied renter homes, and its gross-rent measure includes selected utilities. Because their timing, population, and rent concepts differ, the spread cannot establish that any particular current listing is above or below its survey counterpart.","q":"Why is Zillow ZORI higher than the ACS median gross rent?"},{"a":"No. Rent history measures what this ZIP-level index did through its endpoint, not what it will do next. The most recent one-year gain was positive but slower than the longer annualized changes, while the reported variability and drawdown qualify confidence in a snapshot. The discovery ranks are national, lower-is-higher metadata among history-eligible ZIPs, not investability scores or predictions.","q":"Does the rent history predict what asking rents will do next?"},{"a":"No. The sequence starts with ZIP ZORI and applies the local HUD bedroom-standard proportions. This produces a transparent, internally consistent modelled ladder, but neither source observes a current studio or larger unit's advertised amount. The property’s live rent, bedroom count, included utilities, terms, and availability still need to be checked to assess a listing.","q":"Are the bedroom estimates observed ZIP rents?"},{"a":"Redfin supplies a direct rolling-three-month ZIP resale window covering sales, price, marketing time, inventory, supply, and sale-to-list behavior. It does not report rental transactions. The annualized rent-index-to-sale-price ratio simply juxtaposes sources and omits expenses, financing, and property matching, so it cannot be relabeled as a cap rate, net return, expected return, or property yield.","q":"What can the Redfin resale data establish about rentals?"}],"sources":[{"key":"apartment_list_time_on_market","name":"Apartment List Time on Market — listing liquidity","release":"Apartment List 2026-07","pulledAt":"2026-08-08","url":"https://www.apartmentlist.com/research/category/data-rent-estimates"},{"key":"apartment_list_vacancy","name":"Apartment List Vacancy Index — rental vacancy","release":"Apartment List 2026-07","pulledAt":"2026-08-08","url":"https://www.apartmentlist.com/research/apartment-list-vacancy-index-methodology"},{"key":"census_zcta_facts","name":"Census ACS five-year — ZCTA housing and income","release":"ACS 2024 5-year ZCTA","pulledAt":"2026-08-08","url":"https://api.census.gov/data/2024/acs/acs5.html"},{"key":"hud_zip","name":"HUD USPS crosswalk and Small Area FMRs — ZIP rent fallback","release":"ZIP-CBSA 2025Q4 + SAFMR FY2026","pulledAt":"2026-07-26","url":"https://www.huduser.gov/portal/datasets/usps_crosswalk.html"},{"key":"realtor_county","name":"Realtor.com Economic Research — county listing inventory","release":"county inventory 2026-06","pulledAt":"2026-07-28","url":"https://www.realtor.com/research/data/"},{"key":"redfin","name":"Redfin Data Center — inventory, days on market, and price cuts","release":"metro tracker through 2026-05-01","pulledAt":"2026-07-26","url":"https://www.redfin.com/news/data-center/"},{"key":"redfin_zip","name":"Redfin Data Center — ZIP resale activity and supply","release":"ZIP rolling 3 months through 2026-06-30; updated 2026-07-03","pulledAt":"2026-08-12","url":"https://www.redfin.com/news/data-center/"},{"key":"zillow_county","name":"Zillow ZHVI and ZORI — county values and rents","release":"county ZHVI/ZORI 2026-06","pulledAt":"2026-07-26","url":"https://www.zillow.com/research/data/"},{"key":"zillow_zori","name":"Zillow ZORI — metro market rents","release":"Metro_zori_uc_sfrcondomfr_sm_sa_month.csv","pulledAt":"2026-07-26","url":"https://www.zillow.com/research/data/"},{"key":"zillow_zori_city","name":"Zillow ZORI — city market rents","release":"zillow_zori_city.csv","pulledAt":"2026-07-29","url":"https://www.zillow.com/research/data/"},{"key":"zillow_zori_zip","name":"Zillow ZORI — ZIP market rents","release":"ZORI ZIP 2026-06","pulledAt":"2026-08-08","url":"https://www.zillow.com/research/data/"}],"history":[{"period":"2021-05-01","rent":1138.936305},{"period":"2021-06-01","rent":1158.96373},{"period":"2021-07-01","rent":1158.407777},{"period":"2021-08-01","rent":1164.035342},{"period":"2021-09-01","rent":1176.787738},{"period":"2021-10-01","rent":1206.24037},{"period":"2021-11-01","rent":1232.45047},{"period":"2022-01-01","rent":1234.165244},{"period":"2022-02-01","rent":1221.777333},{"period":"2022-03-01","rent":1240.086352},{"period":"2022-04-01","rent":1236.545532},{"period":"2022-05-01","rent":1257.532263},{"period":"2022-06-01","rent":1267.616677},{"period":"2022-07-01","rent":1276.086487},{"period":"2022-08-01","rent":1279.726295},{"period":"2022-09-01","rent":1291.007146},{"period":"2022-10-01","rent":1287.487914},{"period":"2022-11-01","rent":1289.347638},{"period":"2022-12-01","rent":1296.966503},{"period":"2023-01-01","rent":1293.752615},{"period":"2023-02-01","rent":1321.23207},{"period":"2023-03-01","rent":1339.08001},{"period":"2023-04-01","rent":1361.769929},{"period":"2023-05-01","rent":1344.547255},{"period":"2023-06-01","rent":1341.186531},{"period":"2023-07-01","rent":1346.06149},{"period":"2023-08-01","rent":1345.894047},{"period":"2023-09-01","rent":1366.175816},{"period":"2023-10-01","rent":1380.89404},{"period":"2023-11-01","rent":1385.874149},{"period":"2023-12-01","rent":1394.671202},{"period":"2024-01-01","rent":1386.708536},{"period":"2024-02-01","rent":1404.413576},{"period":"2024-03-01","rent":1394.745539},{"period":"2024-04-01","rent":1398.540243},{"period":"2024-05-01","rent":1404.765863},{"period":"2024-06-01","rent":1410.172513},{"period":"2024-07-01","rent":1411.201656},{"period":"2024-08-01","rent":1424.095518},{"period":"2024-09-01","rent":1442.408453},{"period":"2024-10-01","rent":1445.040984},{"period":"2024-11-01","rent":1437.711395},{"period":"2024-12-01","rent":1437.350365},{"period":"2025-01-01","rent":1461.735916},{"period":"2025-02-01","rent":1454.577275},{"period":"2025-03-01","rent":1448.821551},{"period":"2025-04-01","rent":1433.177554},{"period":"2025-05-01","rent":1448.192367},{"period":"2025-06-01","rent":1479.683434},{"period":"2025-07-01","rent":1489.185495},{"period":"2025-08-01","rent":1492.91316},{"period":"2025-09-01","rent":1479.914918},{"period":"2025-10-01","rent":1484.64561},{"period":"2025-11-01","rent":1500.85164},{"period":"2025-12-01","rent":1509.799202},{"period":"2026-01-01","rent":1509.150906},{"period":"2026-02-01","rent":1514.431832},{"period":"2026-03-01","rent":1533.366996},{"period":"2026-04-01","rent":1553.229861},{"period":"2026-05-01","rent":1554.743169},{"period":"2026-06-01","rent":1540.798942}],"historySummary":{"pointCount":61,"firstPeriod":"2021-05-01","latestPeriod":"2026-06-01","coverageMonths":62,"coverageRatio":0.9838709677419355,"changes":{"1":{"years":1,"startPeriod":"2025-06-01","endPeriod":"2026-06-01","startRent":1479.683434,"endRent":1540.798942,"change":0.04130309672710708,"cagr":0.04130309672710708},"3":{"years":3,"startPeriod":"2023-06-01","endPeriod":"2026-06-01","startRent":1341.186531,"endRent":1540.798942,"change":0.14883269879780792,"cagr":0.0473349493171944},"5":{"years":5,"startPeriod":"2021-06-01","endPeriod":"2026-06-01","startRent":1158.96373,"endRent":1540.798942,"change":0.32946260708262187,"cagr":0.05860813083033767}},"maxDrawdown":-0.019537292398307593,"annualizedVolatility":0.031004551893556914,"consecutiveReturnCount":59}}