Cherokee County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cherokee County, Oklahoma? DLRadar grades every Cherokee County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Cherokee County breakdown.
- Cherokee County's most distressed ZIP is 74359 at 27/100.
- 16 ZIP codes tracked in Cherokee County, averaging 22/100 distress.
- Cherokee County reads peak — home values up 2.2% year over year.
- Vacancy runs 19.7% across Cherokee County's tracked ZIPs, with a 18.7% poverty rate.
- The typical Cherokee County home is worth about $147,325 against a ~$53,613 median income.
- Lending headwind in Cherokee County sits at 78/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 74359 | 27/100 |
| 2 | 74347 | 26/100 |
| 3 | 74364 | 26/100 |
| 4 | 74434 | 25/100 |
| 5 | 74352 | 23/100 |
| 6 | 74452 | 22/100 |
| 7 | 74962 | 22/100 |
| 8 | 74427 | 21/100 |
| 9 | 74441 | 21/100 |
| 10 | 74451 | 21/100 |
| 11 | 74457 | 21/100 |
| 12 | 74464 | 21/100 |
Most distressed ZIP codes in Cherokee County (composite distress 0-100, 2026)
What is driving Cherokee County distress
Cherokee County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 22/100 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.
Cherokee County market phase and pricing
Phase for Cherokee County: peak (+2.2% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Cherokee County
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Questions and answers
Which part of Cherokee County, OK scores highest for distress?
ZIP 74359 leads Cherokee County at 27/100, recomputed monthly from public records.
How would you describe the Cherokee County market phase?
Cherokee County is classified peak with a 2.2% year-over-year increase, following the FHFA House Price Index.
Where does the Cherokee County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 16 Cherokee County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Cherokee County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cherokee County ZIPs DLRadar ranks, scores run from 27/100 in 74359 down to 21/100 in 74464, against a Cherokee County average of 22/100. That 6-point gap is why acquisition targeting in Cherokee County works at ZIP level rather than county level.
What do Cherokee County home values and vacancy say about distressed supply?
The typical Cherokee County home carries about $147,325 of value against a median household income near $53,613. Vacancy across Cherokee County's tracked ZIPs runs 19.7% and the poverty rate is 18.7%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Cherokee County's foreclosure and tax-lien record and its 78/100 lending headwind.
Related
DLRadar scores property distress from public records by deterministic formulas — not investment, legal, or financial advice. Figures refresh monthly from the live index.