The story of this market
The typical home in ZIP 74346 sells for about $237,030, or $128 per square foot.
Prices are up +1.8% from a year ago, so sellers still have some momentum. Homes take about 62 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $950 a month.
ZIP 74346 — Jay
The housing market in 74346 is characterized by low turnover and a high vacancy rate, reflecting a rural economy with limited growth pressure. Prices remain affordable compared to national averages, but the market is soft, requiring careful due diligence for investors due to deferred maintenance and limited rental demand.
This ZIP is best suited for local workers, retirees seeking a low-cost-of-living environment, and budget-conscious buyers who prioritize proximity to outdoor recreation over urban amenities.
Median prices moved up 1.8% year over year.
Homes spend a median of 62 days on market with 6.4 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.8% · poverty 19.2% — a mixed stability profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 74346, Delaware County OK
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Jay area are generally consistent with rural Delaware County trends, though property crime remains a primary concern for local law enforcement compared to state averages.
Schools serving the 74346 ZIP code are primarily managed by Jay Public Schools, which generally maintain moderate performance ratings within the regional context.
The area is subject to standard regional risks including severe thunderstorms and occasional tornado activity, with flood risks concentrated near local creek beds and Grand Lake tributaries.
Economic momentum is largely driven by local government, tribal operations, and small-scale retail, with limited large-scale industrial or corporate infrastructure development currently reported.
Property taxes are assessed by Delaware County based on fair market value, with specific millage rates determined by local school district and municipal levies; no specific ZIP-level tax exemptions are published.
Commuting from 74346 primarily involves personal vehicle travel via U.S. Highway 59, with limited public transit options available for reaching regional employment hubs.
The area offers access to outdoor recreation including proximity to Grand Lake O' the Cherokees, local parks in Jay, and various fishing and hunting opportunities in the surrounding Ozark foothills.
The rental market is characterized by high vacancy rates and a reliance on older housing stock, with limited institutional investor presence and a high proportion of individual landlords.
The economy is anchored by the Cherokee Nation, local government, and regional retail services, with a significant portion of the workforce commuting to nearby towns.
Transportation is heavily reliant on private vehicles, with U.S. Highway 59 serving as the primary arterial route for the region.
Development is largely incremental, focusing on small-scale commercial expansion along major highway corridors rather than large-scale master-planned projects.
The Delaware County Assessor maintains property valuations based on annual market analysis and state-mandated assessment cycles.
Parcels are subject to Jay Public Schools district taxes and various county-wide special service districts for fire and emergency management.
Property insurance premiums are influenced by regional exposure to severe weather, including wind and hail, leading to moderate-to-high coverage costs.
Oklahoma is a judicial foreclosure state, requiring court intervention for the foreclosure process, which typically extends the timeline for lenders.
Sellers are required to provide a residential property condition disclosure statement, detailing known material defects to the buyer.
Data retrieved from data.census.gov ZCTA 74346 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Flint Creek Water Park4.514 mi
- Natural Falls State Park4.615.4 mi
- Grand Lake Casino3.819.2 mi
- River Ranch Resort4.319.2 mi
- Cherokee Casino Grove3.819.1 mi
- Har-Ber Village Museum4.813.7 mi
- AR-MO-OK Tri-State Marker4.511.6 mi
- Lake Eucha Park4.43.7 mi
- Bluff Dwellers Cave4.918.2 mi
- Har-Ber Village Museum4.813.7 mi
- AR-MO-OK Tri-State Marker4.511.6 mi
- Saline Courthouse Museum4.818.1 mi
- Lake Eucha Park4.43.7 mi
- Southwest City Park4.412.7 mi
- Shangri-La Resort4.512.7 mi
- Lee's Grand Lake Resort4.118.6 mi
- Cherokee Yacht Club4.515.3 mi
- Hammerhead Marina4.517 mi
- Arrowhead Boat Sales & Marina4.515.7 mi
- Shangri-La Resort4.512.7 mi
- Northwest Arkansas National Airport4.326.8 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major regional reservoir providing boating, fishing, and tourism.
Local community park offering playgrounds and picnic areas.
Hosts local agricultural events and community gatherings.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.