At the June 2026 reading, Zillow’s ZIP-level ZORI for 73160 is $1,501 per month, up 2.6% from the same month a year earlier. It is a typical observed asking-rent index blended across rental types, not the price of every available dwelling. The immediate comparison is mixed: the Moore city context rent is $1,537, while the Cleveland County context rent is $1,391 and the Oklahoma City, OK metro context rent is $1,393; all three are wider-area context, not substitutes for the ZIP measure. The label also has two roles: it is a Zillow ZIP market identifier and a matched Census ZCTA. A ZCTA is a statistical area and is not identical to a USPS delivery ZIP.
Back through the stated endpoint, the same-month annualized ZORI changes were 2.6% over one year, 2.8% over three years, and 4.2% over five years. The latest positive pace is slower than the longer windows, so recent direction confirms the longer growth path rather than breaking from it, but with deceleration. History coverage is 100%, and annualized monthly-return variability was 1.5%; the worst peak-to-trough drawdown was -1.3%. That low variability supports somewhat greater confidence that one current index reading reflects a relatively continuous prior pattern, but it cannot confirm a particular listing. The transparent national discovery ranks among history-eligible ZIPs were 6 for stability, 1,163 for momentum, and 300 for the balanced measure; they are backward-looking measurements, not forecasts or investment recommendations.
ZORI and ACS answer different questions, so their central price gap is a source-universe distinction. In the ACS 2024 five-year survey for the matched ZCTA, median gross rent was $1,303, 15.2% below the current ZORI. ACS is a five-year survey of occupied renter homes and median gross rent includes selected utilities; it is neither a contemporaneous advertised-rent series nor a measure of unoccupied listings. Conversely, ZORI is not a utility-inclusive median for current residents. The comparison is useful as a source-universe distinction, not evidence that a particular available property is over- or under-priced. The shared label aids comparison, but the ZCTA’s statistical boundary does not make it the same thing as a USPS delivery ZIP.
Bedroom detail must also be read as a model rather than as a set of observed submarket rents. The FY2026 HUD FMR/SAFMR two-bedroom standard is $1,340, an administrative bedroom-specific standard rather than asking rent. Scaling ZIP ZORI by the local HUD ladder yields modelled monthly estimates of $1,131 for a studio, $1,232 for one bedroom, $1,501 for two bedrooms, $2,016 for three bedrooms, and $2,240 for four bedrooms. The current ZIP index is 12.0% above the HUD two-bedroom standard. These are modelled estimates, never measured bedroom rents, and should not be conflated with either HUD standards or advertised quotes.
The income and burden figures carry a different, household-based lens. Applying a 30% rent-to-income screen to the current monthly index produces $60,040 in annual income; the matched ZCTA’s median household income is $79,491, and annualized index rent equals 22.7% of that median. For comparison, the Oklahoma City, OK metro context rent-to-income figure is 23.2%, another wider-area context measure. This screen is arithmetic, not advice and not an applicant qualification rule. In ACS, 3,544 of 8,250 renter households, or 43.0%, were estimated to pay at or above that threshold. That survey burden result describes households, including their housing circumstances, and cannot prove the cost burden of a particular unit or renter.
ACS housing counts set a broad supply frame, not a live availability count. The matched ZCTA recorded 24,652 housing units, with a 5.1% total vacancy rate; its stock included 20,706 single-family units and 1,227 units in large multifamily structures. Of the vacant units, 256 were classified as for rent. The ZIP’s renter share was between the Moore city context and Cleveland County context shares, while its total vacancy rate was below both of those wider-area context rates. These comparisons establish scale and tenure mix only. Total vacancy includes categories beyond listings, and even the for-rent count is a survey classification, so neither number establishes the current vacancy, concession, condition, or price of a particular property.
Decision use should therefore begin with the index as a ZIP-wide reference and then move to property evidence. Check the actual advertised monthly rent, bedroom count, address and delivery-ZIP treatment, lease length, utility inclusions, recurring and move-in charges, availability date, and whether the listing’s terms differ from the index’s blended rental types. Confirm that the property’s location is being compared with the intended ZIP rather than assumed to match the ZCTA boundary. For a unit with a stated bedroom count, distinguish its quote from the HUD-scaled modelled estimate; for household budgeting, separate the arithmetic screen from documented income, utilities, and lease obligations. Those checks preserve the limits of the historical, survey, administrative, and asking-rent evidence rather than converting any one series into a property-level fact.
","findings":[{"body":"At June 2026, the ZIP ZORI is $1,501 after a 2.6% same-month gain. That level is below the Moore city context rent of $1,537 but above Cleveland County’s $1,391 and the Oklahoma City metro’s $1,393. These are scope-specific contextual comparisons: only the ZIP ZORI is the focal asking-rent index, and the other geographies do not redefine the ZIP market.","title":"Current ZIP position"},{"body":"The historical path is positive but slower recently: the one-, three-, and five-year same-month annualized changes were 2.6%, 2.8%, and 4.2%. Annualized monthly-return variability was 1.5%, maximum drawdown was -1.3%, and coverage was complete. The lower-is-higher stability rank was 6, while momentum rank was 1,163; these transparent discovery ranks are backward-looking, not forecasts.","title":"Steady but slower recent path"},{"body":"ACS median gross rent of $1,303 is 15.2% below ZORI, but the figures do not conflict: ACS is a five-year, occupied-renter survey including selected utilities, while ZORI is a current typical asking-rent index. The HUD-scaled ladder supplies modelled—not measured—bedroom estimates ranging from $1,131 for a studio to $2,240 for four bedrooms. HUD’s standards remain administrative benchmarks, not advertised rents.","title":"Separate rent universes"},{"body":"The $60,040 annual-income figure is simply the arithmetic result of applying a 30% screen to the monthly index, not a qualification standard. ACS estimates that 43.0% of renter households were at or above that burden threshold. The ZCTA had 24,652 housing units and a 5.1% total vacancy rate, but aggregate vacancy and burden cannot establish availability or affordability for a specific property.","title":"Arithmetic affordability and stock"}],"risks":["The matched ZCTA is a Census statistical area, not a USPS delivery ZIP, so boundary treatment can differ from the address or mailing ZIP used for an individual property.","ZORI is a blended typical asking-rent index across rental types. It can orient a market comparison but does not establish a current quote, condition, concessions, or utilities for a particular home.","ACS figures are five-year survey estimates for occupied homes, with gross rent including selected utilities. They may differ in timing, household mix, and concept from currently advertised asking rents.","HUD FMR/SAFMR values are administrative, bedroom-specific standards, and the displayed bedroom ladder is modelled from them. Neither the standards nor modelled estimates are measured bedroom rents or lease offers."],"qa":[{"a":"The two sources cover different universes and time frames. Zillow reports a June 2026 typical observed asking-rent index blended across rental types. ACS 2024 five-year median gross rent summarizes occupied renter homes in the matched ZCTA and includes selected utilities. The $1,501 versus $1,303 difference therefore does not identify an error or price any individual listing.","q":"Why is the current ZIP asking-rent index higher than ACS median gross rent?"},{"a":"No. The studio through four-bedroom amounts are modelled monthly estimates created by scaling the ZIP ZORI with the local FY2026 HUD FMR/SAFMR ladder. The HUD ladder is an administrative bedroom-specific standard, not asking rent, and the resulting figures are not measured bedroom rents. A listing’s actual bedroom count, rent, utility treatment, and lease terms still require direct verification.","q":"Are the bedroom figures observed rents?"},{"a":"With complete coverage, low 1.5% annualized monthly-return variability, and only a -1.3% maximum drawdown, the index has shown a relatively steady historical path. The recent 2.6% one-year gain remains positive but trails the 2.8% three-year and 4.2% five-year annualized rates. This supports continuity in the index history, not a forecast or a guarantee for any new listing.","q":"What does the history say about reliability of the current rent snapshot?"},{"a":"Use the $60,040 figure only as the arithmetic income equivalent of devoting 30% to the ZIP index; it is not advice or an applicant rule. The 43.0% ACS burden estimate describes surveyed renter households rather than a particular household. Similarly, the 5.1% total vacancy rate is not a live listing count. Verify property rent, charges, utilities, availability, and lease terms.","q":"How should the income, burden, and vacancy figures be used?"}],"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 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