Carter County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Carter County, OK distress report, 2026: 16 ZIPs scored in Carter, OK, Carter, OK average 23/100; the top Carter, OK ZIP is 73425 at 28/100; Carter, OK market phase peak, Carter, OK prices +2.2% year over year.
- Carter, OK ranks #971 nationally (opportunity index); Carter, OK #30 in Oklahoma; Carter, OK index 31.3.
- Carter, OK: no CFPB county sample; Carter, OK non-metro area reading 1.4%.
- Carter, OK ZIP phases: 16 peak.
- Carter, OK residential listings tracked: 32 across 12 ZIPs; Carter, OK candidate listings 18.
- Carter, OK HUD assisted properties: 4 with 285 units.
- Carter, OK lenders on watch: 6; largest Carter, OK footprint American Nation Bank (5 branches).
- Carter, OK most distressed ZIP: 73425 at 28/100.
Carter, OK figures: DLRadar distress index; Carter, OK inputs: CFPB, FHFA, HUD, FDIC; Carter, OK rebuilt as sources refresh.
| Rank | Carter, OK ZIP | Score |
|---|---|---|
| 1 | 73425 | 28/100 |
| 2 | 73435 | 27/100 |
| 3 | 73436 | 27/100 |
| 4 | 73437 | 27/100 |
| 5 | 73438 | 27/100 |
| 6 | 73443 | 27/100 |
| 7 | 73458 | 27/100 |
| 8 | 73487 | 27/100 |
| 9 | 73488 | 27/100 |
| 10 | 73401 | 26/100 |
| 11 | 73481 | 26/100 |
| 12 | 73444 | 25/100 |
Most distressed Carter, OK ZIPs (0-100, 2026)
Mortgage delinquency around Carter, OK
No CFPB county sample covers Carter, OK; the non-metro area reading for Carter, OK: 1.4% ninety-plus; Carter, OK area thirty-to-eighty-nine 3.5% (December 2025, Carter, OK); Oklahoma overall 1.2%.
Opportunity index: Carter, OK
Carter, OK index 31.3, Carter, OK phase watchlist; Carter, OK primary driver vacancy, Carter, OK second driver bank institutional. Carter, OK components: property stress 21.0, foreclosure pressure 20.6, listing discounts 38.4, bank stress 52.7, insurance 0.0; Carter, OK pulse 32.8; Carter, OK capital opportunity 29.0; Carter, OK seven-day change +0.2%.
ZIP market phases inside Carter, OK
16 Carter, OK ZIPs carry a price-cycle phase; Carter, OK ZIPs by phase (Carter, OK), deepest drawdown first: peak, +2.2% YoY (Carter, OK): 73401, 73425, 73435, 73436, Carter, OK 73437, 73438, 73443, 73458, Carter, OK 73487, 73488; peak, +2.0% YoY (Carter, OK): 73444; peak, +1.1% YoY (Carter, OK): 73446, 73453; peak, +1.2% YoY (Carter, OK): 73456; peak, +1.8% YoY (Carter, OK): 73463; peak, +2.1% YoY (Carter, OK): 73481.
Residential listings by Carter, OK ZIP
Carter, OK ZIPs with the most tracked Carter, OK residential listings: 73401 25 listings, 14 candidates, bank pressure 56; 73463 4 listings, 1 candidates, bank pressure 55; 73443 2 listings, 2 candidates, bank pressure 54; 73481 1 listings, 1 candidates, bank pressure 58 (Carter, OK); 73435 0 listings, 0 candidates, bank pressure 54; 73436 0 listings, 0 candidates, bank pressure 54; 73437 0 listings, 0 candidates, bank pressure 54; 73438 0 listings, 0 candidates, bank pressure 54. Carter, OK totals: 32 listings; Carter, OK candidates 18; active ZIPs 0.
HUD assisted housing in Carter, OK
4 assisted properties with 285 units sit in Carter, OK; largest Carter, OK properties: Stone Creek Apartments (Ardmore) 147 units; Ardmore Village (Ardmore) 112 units, 111 assisted; Dunbar Heritage Apartments (Ardmore) 14 units, 14 assisted in Carter, OK; Keys, The (Ardmore) 12 units, 12 assisted.
Lenders with branches in Carter, OK
Carter, OK lenders by branch count: American Nation Bank (Carter, OK): stress 61, 5 branches low in Carter, OK; First Nb&T Co Of Ardmore (Carter, OK): stress 58, 5 branches low in Carter, OK; Citizens B&T Co Of Ardmore (Carter, OK): stress 61, 4 branches low in Carter, OK; Bancfirst (Carter, OK): stress 51, 3 branches low in Carter, OK; First Bank&Trust Co (Carter, OK): stress 28, 3 branches low in Carter, OK; International Bk Of Com (Carter, OK): stress 44, 1 branch low in Carter, OK.
Vacancy and permits, Carter, OK
2,578 of 21,624 Carter, OK housing units are vacant; Carter, OK permits, twelve months: 0 multifamily units in Carter, OK, 69 one-to-four unit units.
Work Carter, OK at the parcel level
Every Carter, OK parcel carries owner and address; every Carter, OK parcel carries APN; Carter, OK distress scores sit on the Carter, OK live board.
Carter, OK figures refresh with each source.
Carter, OK questions
Most distressed ZIP code in Carter County, OK?
ZIP 73425 leads Carter, OK at 28/100; next in Carter, OK: 73435 at 27/100; the Carter, OK average is 23/100.
Where does Carter County, OK rank for investment opportunity?
Carter, OK is #971 among all ranked counties, #30 in Oklahoma; the Carter, OK driver is vacancy; Carter, OK moved up 680 places.
How many mortgages are delinquent in Carter County, OK?
Carter, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Carter, OK.
Which banks lend in Carter County, OK?
6 watched lenders hold Carter, OK branches; the largest Carter, OK footprints are American Nation Bank (5), First Nb&T Co Of Ardmore (5), Citizens B&T Co Of Ardmore (4).
More on Carter, OK
Carter County, OK distress report: public-record figures for Carter, OK; not legal advice for Carter, OK; not tax or investment advice; verify every Carter, OK record before acting.