Cherokee County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cherokee County, OK distress report, 2026: 16 ZIPs scored in Cherokee, OK, Cherokee, OK average 23/100; the top Cherokee, OK ZIP is 74359 at 28/100; Cherokee, OK market phase peak, Cherokee, OK prices +2.2% year over year.
- Cherokee, OK ranks #717 nationally (opportunity index); Cherokee, OK #19 in Oklahoma; Cherokee, OK index 32.3.
- Cherokee, OK: no CFPB county sample; Cherokee, OK non-metro area reading 1.4%.
- Cherokee, OK ZIP phases: 16 peak.
- Cherokee, OK residential listings tracked: 14 across 7 ZIPs; Cherokee, OK candidate listings 6.
- Cherokee, OK HUD assisted properties: 5 with 101 units.
- Cherokee, OK lenders on watch: 5; largest Cherokee, OK footprint Local Bank (3 branches).
- Cherokee, OK most distressed ZIP: 74359 at 28/100.
Cherokee, OK figures: DLRadar distress index; Cherokee, OK inputs: CFPB, FHFA, HUD, FDIC; Cherokee, OK rebuilt as sources refresh.
| Rank | Cherokee, OK ZIP | Score |
|---|---|---|
| 1 | 74359 | 28/100 |
| 2 | 74364 | 28/100 |
| 3 | 74347 | 27/100 |
| 4 | 74352 | 26/100 |
| 5 | 74434 | 26/100 |
| 6 | 74427 | 25/100 |
| 7 | 74441 | 25/100 |
| 8 | 74451 | 25/100 |
| 9 | 74452 | 25/100 |
| 10 | 74464 | 25/100 |
| 11 | 74471 | 25/100 |
| 12 | 74457 | 21/100 |
Most distressed Cherokee, OK ZIPs (0-100, 2026)
Mortgage delinquency around Cherokee, OK
No CFPB county sample covers Cherokee, OK; the non-metro area reading for Cherokee, OK: 1.4% ninety-plus; Cherokee, OK area thirty-to-eighty-nine 3.5% (December 2025, Cherokee, OK); Oklahoma overall 1.2%.
Opportunity index: Cherokee, OK
Cherokee, OK index 32.3, Cherokee, OK phase watchlist; Cherokee, OK primary driver construction, Cherokee, OK second driver vacancy. Cherokee, OK components: property stress 17.1, foreclosure pressure 18.0, listing discounts 30.8, bank stress 67.7, insurance 0.0; Cherokee, OK pulse 39.0; Cherokee, OK capital opportunity 22.2.
ZIP market phases inside Cherokee, OK
16 Cherokee, OK ZIPs carry a price-cycle phase; Cherokee, OK ZIPs by phase (Cherokee, OK), deepest drawdown first: peak, +3.0% YoY, 0.8% off peak (Cherokee, OK): 74962; peak, +1.5% YoY, 0.1% off peak (Cherokee, OK): 74931; peak, +1.2% YoY (Cherokee, OK): 74347; peak, +1.5% YoY (Cherokee, OK): 74352; peak, +1.1% YoY (Cherokee, OK): 74359, 74960, 74964; peak, +1.3% YoY (Cherokee, OK): 74364; peak, +2.2% YoY (Cherokee, OK): 74427, 74441, 74451, 74464, Cherokee, OK 74471; peak, +2.4% YoY (Cherokee, OK): 74434; peak, +2.1% YoY (Cherokee, OK): 74452; peak, +1.8% YoY (Cherokee, OK): 74457.
Residential listings by Cherokee, OK ZIP
Cherokee, OK ZIPs with the most tracked Cherokee, OK residential listings: 74464 8 listings, 3 candidates, bank pressure 74; 74441 2 listings, 1 candidates, bank pressure 74; 74451 2 listings, 1 candidates, bank pressure 74; 74457 2 listings, 1 candidates, bank pressure 74 (Cherokee, OK); 74427 0 listings, 0 candidates, bank pressure 74; 74452 0 listings, 0 candidates, bank pressure 62; 74471 0 listings, 0 candidates, bank pressure 74. Cherokee, OK totals: 14 listings; Cherokee, OK candidates 6; active ZIPs 0.
HUD assisted housing in Cherokee, OK
5 assisted properties with 101 units sit in Cherokee, OK; largest Cherokee, OK properties: Sequoyah Heights (Tahlequah) 25 units, 24 assisted; Autumn Heights (Tahlequah) 23 units, 23 assisted; Cookson Hills Community Action Foundation (Tahlequah) 23 units, 22 assisted in Cherokee, OK; Cookson Hills Hulbert Homes (Hulbert) 15 units, 14 assisted; New Seasons (Tahlequah) 15 units, 14 assisted.
Lenders with branches in Cherokee, OK
Cherokee, OK lenders by branch count: Local Bank (Cherokee, OK): stress 83, 3 branches low in Cherokee, OK; First State Bank (Cherokee, OK): stress 88, 2 branches low in Cherokee, OK; Armstrong Bank (Cherokee, OK): stress 70, 2 branches low in Cherokee, OK; Bancfirst (Cherokee, OK): stress 51, 2 branches low in Cherokee, OK; Carson Community Bank (Cherokee, OK): stress 66, 1 branch low in Cherokee, OK.
Vacancy and permits, Cherokee, OK
3,665 of 22,363 Cherokee, OK housing units are vacant; Cherokee, OK permits, twelve months: 0 multifamily units in Cherokee, OK, 25 one-to-four unit units.
Work Cherokee, OK at the parcel level
Every Cherokee, OK parcel carries owner and address; every Cherokee, OK parcel carries APN; Cherokee, OK distress scores sit on the Cherokee, OK live board.
Cherokee, OK figures refresh with each source.
Cherokee, OK questions
Most distressed ZIP code in Cherokee County, OK?
ZIP 74359 leads Cherokee, OK at 28/100; next in Cherokee, OK: 74364 at 28/100; the Cherokee, OK average is 23/100.
Where does Cherokee County, OK rank for investment opportunity?
Cherokee, OK is #717 among all ranked counties, #19 in Oklahoma; the Cherokee, OK driver is construction; Cherokee, OK moved down 327 places.
How many mortgages are delinquent in Cherokee County, OK?
Cherokee, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Cherokee, OK.
Which banks lend in Cherokee County, OK?
5 watched lenders hold Cherokee, OK branches; the largest Cherokee, OK footprints are Local Bank (3), First State Bank (2), Armstrong Bank (2).
More on Cherokee, OK
Cherokee County, OK distress report: public-record figures for Cherokee, OK; not legal advice for Cherokee, OK; not tax or investment advice; verify every Cherokee, OK record before acting.