Atoka County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Atoka County, Oklahoma? DLRadar grades every Atoka County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 21/100. Here is the 2026 Atoka County breakdown.
- Atoka County's most distressed ZIP is 74560 at 21/100.
- 15 ZIP codes tracked in Atoka County, averaging 9/100 distress.
- Atoka County reads peak — home values up 1.1% year over year.
- Vacancy runs 20.7% across Atoka County's tracked ZIPs, with a 19.2% poverty rate.
- The typical Atoka County home is worth about $146,873 against a ~$48,908 median income.
- Lending headwind in Atoka County sits at 54/100 — a forward read on distressed supply.
Based on DLRadar's public-record distress index, updated every month. Free to cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 74560 | 21/100 |
| 2 | 74553 | 19/100 |
| 3 | 74576 | 15/100 |
| 4 | 74729 | 14/100 |
| 5 | 74538 | 10/100 |
| 6 | 74727 | 10/100 |
| 7 | 74748 | 9/100 |
| 8 | 73432 | 6/100 |
| 9 | 73461 | 6/100 |
| 10 | 74523 | 4/100 |
| 11 | 74525 | 4/100 |
| 12 | 74533 | 4/100 |
Most distressed ZIP codes in Atoka County (composite distress 0-100, 2026)
What is driving Atoka County distress
Atoka County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 9/100 composite distress. Every figure traces to a public source — FHFA HPI, CFPB mortgage delinquency, county recorder foreclosure and tax-lien filings, FEMA/NFIP for insurance, and Census ACS for demographics.
Atoka County market phase and pricing
Atoka County reads peak — home prices rose 1.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Atoka County
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What people ask
Which Atoka County ZIP scores worst for distress?
ZIP 74560 leads Atoka County at 21/100, recomputed monthly from public records.
What stage of the price cycle is Atoka County at?
The market phase for Atoka County is peak, prices rising 1.1% on the year — derived from the FHFA House Price Index path.
What are the sources behind these Atoka County numbers?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 15 Atoka County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Atoka County ZIP codes?
Averaging the county conceals how uneven it is. Across the Atoka County ZIPs DLRadar ranks, scores run from 21/100 in 74560 down to 4/100 in 74533, against a Atoka County average of 9/100. A spread of 17 points means Atoka County has to be worked ZIP by ZIP.
What do Atoka County home values and vacancy say about distressed supply?
The typical Atoka County home carries about $146,873 of value against a median household income near $48,908. Vacancy across Atoka County's tracked ZIPs runs 20.7% and the poverty rate is 19.2%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Atoka County's foreclosure and lien filings and its 54/100 lending headwind.
Related
Distress scoring is deterministic and public-record based. It is research material, not investment, legal or financial advice. Updated monthly.