Is Pontotoc County, OK good for real estate investing?

Pontotoc County has an investment score of 63/100, rated as "Buy". The county ranks #378 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Pontotoc?

The rent-to-price ratio in Pontotoc County is 6.49% annually, which ranks in the 65th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Pontotoc?

The median home price in Pontotoc County is $183,573. This ranks #169 in affordability among all US counties.

Can you cash flow on rental properties in Pontotoc?

Based on median values with 20% down at current rates, a typical rental in Pontotoc County would generate negative cash flow of $317/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Pontotoc County

OklahomaPopulation: 38,116

/100

Buy

#378 of 1,000 counties

#38 in Oklahoma (77 counties)

Market Snapshot

$183,573

Median Home Price

33% below national median

$993/mo

Median Rent

34% below national median

6.49%

Rent-to-Price Ratio

Top 35% nationally

-$317

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$183,573

Down Payment (20%)$36,715

Loan Amount$146,858

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$993

Monthly P&I-$962

Est. Expenses (35%)-$348

Net Cash Flow-$317/mo

4.2%

Cap Rate (all cash)

-9.0%

Cash-on-Cash Return

6.49%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

63/100

Cash Flow(30%)

65/100

Based on 6.49% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

57/100

Based on 0.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

84/100

Price-to-income ratio of 3.1x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Affordable relative to local incomes
+Complete rent data available

Challenges

-Negative cash flow at typical financing (-$317/mo)
-Negative leverage (cap rate 4.2% < mortgage rate 6.9%)

Economic Indicators

Population

38,116

Median Income

$59,457

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

3.1x

Moderately affordable

Compare to Nearby Counties

County					Verdict
SequoyahOK	64	$183,669	Est. pending	—	Buy	View
CurrentPontotocOK	63	$183,573	$993	6.49%	Buy
CherokeeOK	63	$201,299	$1,023	6.10%	Buy	View
Le FloreOK	63	$162,882	Est. pending	—	Buy	View
PushmatahaOK	63	$147,882	Est. pending	—	Buy	View
RogersOK	62	$276,536	$1,566	6.80%	Buy	View

The Bottom Line

BuyPontotoc offers solid investment potential with good cash flow or appreciation prospects.

Pontotoc County in Oklahoma scores 63/100, ranking #378 of 1,000 US counties (top 38%). The 6.49% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-317/mo

Cap Rate

4.2%

Cash-on-Cash

-9.0%

Ready to Analyze a Deal in Pontotoc?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$183,573

Down Payment (20%)$36,715

Loan Amount$146,858

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$993

Monthly P&I-$962

Est. Expenses (35%)-$348

Net Cash Flow-$317/mo

4.2%

Cap Rate (all cash)

-9.0%

Cash-on-Cash Return

6.49%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.2% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

63/100

Cash Flow(30%)

65/100

Based on 6.49% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

57/100

Based on 0.8% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

84/100

Price-to-income ratio of 3.1x. Lower ratios indicate more affordable markets.

County

Verdict

SequoyahOK

$183,669

Est. pending

—

Buy

View

CurrentPontotocOK

$183,573

$993

6.49%

Buy

CherokeeOK

$201,299

$1,023

6.10%

Buy

View

Le FloreOK

$162,882

Est. pending

—

Buy

View

PushmatahaOK

$147,882

Est. pending

—

Buy

View

RogersOK

$276,536

$1,566

6.80%

Buy

View

The Bottom Line

BuyPontotoc offers solid investment potential with good cash flow or appreciation prospects.

Monthly Cash Flow

$-317/mo

Cap Rate

4.2%

Cash-on-Cash

-9.0%