Cotton County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Cotton County, OK distress report, 2026: 11 ZIPs scored in Cotton, OK, Cotton, OK average 19/100; the top Cotton, OK ZIP is 73533 at 29/100; Cotton, OK market phase expansion, Cotton, OK prices +8.2% year over year.
- Cotton, OK ranks #1,974 nationally (opportunity index); Cotton, OK #64 in Oklahoma; Cotton, OK index 27.8.
- Cotton, OK: no CFPB county sample; Cotton, OK non-metro area reading 1.4%.
- Cotton, OK ZIP phases: 7 expansion, 4 peak.
- Cotton, OK residential listings tracked: 0 across 6 ZIPs; Cotton, OK candidate listings 0.
- Cotton, OK lenders on watch: 2; largest Cotton, OK footprint First State Bank In Temple (1 branch).
- Cotton, OK most distressed ZIP: 73533 at 29/100.
Cotton, OK figures: DLRadar distress index; Cotton, OK inputs: CFPB, FHFA, HUD, FDIC; Cotton, OK rebuilt as sources refresh.
| Rank | Cotton, OK ZIP | Score |
|---|---|---|
| 1 | 73533 | 29/100 |
| 2 | 73540 | 26/100 |
| 3 | 73529 | 25/100 |
| 4 | 73543 | 22/100 |
| 5 | 73548 | 17/100 |
| 6 | 73531 | 16/100 |
| 7 | 73562 | 16/100 |
| 8 | 73568 | 16/100 |
| 9 | 73572 | 15/100 |
| 10 | 73528 | 13/100 |
| 11 | 73546 | 12/100 |
Most distressed Cotton, OK ZIPs (0-100, 2026)
Mortgage delinquency around Cotton, OK
No CFPB county sample covers Cotton, OK; the non-metro area reading for Cotton, OK: 1.4% ninety-plus; Cotton, OK area thirty-to-eighty-nine 3.5% (December 2025, Cotton, OK); Oklahoma overall 1.2%.
Opportunity index: Cotton, OK
Cotton, OK index 27.8, Cotton, OK phase weak; Cotton, OK primary driver vacancy, Cotton, OK second driver construction. Cotton, OK components: property stress 20.4, foreclosure pressure 19.0, listing discounts 4.6, bank stress 40.4, insurance 0.0; Cotton, OK pulse 34.4; Cotton, OK capital opportunity 17.9; Cotton, OK seven-day change -0.3%.
ZIP market phases inside Cotton, OK
11 Cotton, OK ZIPs carry a price-cycle phase; Cotton, OK ZIPs by phase (Cotton, OK), deepest drawdown first: expansion, +8.2% YoY, 1.4% off peak (Cotton, OK): 73540, 73531, 73562, 73568, Cotton, OK 73572, 73543; expansion, +5.3% YoY, 0.8% off peak (Cotton, OK): 73528; peak, +4.4% YoY, 0.6% off peak (Cotton, OK): 73548; peak, +1.6% YoY, 0.1% off peak (Cotton, OK): 73546; peak, +2.0% YoY, 0.0% off peak (Cotton, OK): 73529; peak, +2.2% YoY, 0.0% off peak (Cotton, OK): 73533.
Residential listings by Cotton, OK ZIP
Cotton, OK ZIPs with the most tracked Cotton, OK residential listings: 73528 0 listings, 0 candidates, bank pressure 56; 73531 0 listings, 0 candidates, bank pressure 26; 73548 0 listings, 0 candidates, bank pressure 55; 73562 0 listings, 0 candidates, bank pressure 26 (Cotton, OK); 73568 0 listings, 0 candidates, bank pressure 26; 73572 0 listings, 0 candidates, bank pressure 54. Cotton, OK totals: 0 listings; Cotton, OK candidates 0; active ZIPs 0.
Lenders with branches in Cotton, OK
Cotton, OK lenders by branch count: First State Bank In Temple (Cotton, OK): stress 41, 1 branch low in Cotton, OK; Walters Bank&Trust Co (Cotton, OK): stress 11, 1 branch low in Cotton, OK.
Vacancy and permits, Cotton, OK
657 of 2,697 Cotton, OK housing units are vacant; Cotton, OK permits, twelve months: 0 multifamily units in Cotton, OK, 1 one-to-four unit units.
Work Cotton, OK at the parcel level
Every Cotton, OK parcel carries owner and address; every Cotton, OK parcel carries APN; Cotton, OK distress scores sit on the Cotton, OK live board.
Cotton, OK figures refresh with each source.
Cotton, OK questions
Most distressed ZIP code in Cotton County, OK?
ZIP 73533 leads Cotton, OK at 29/100; next in Cotton, OK: 73540 at 26/100; the Cotton, OK average is 19/100.
Where does Cotton County, OK rank for investment opportunity?
Cotton, OK is #1,974 among all ranked counties, #64 in Oklahoma; the Cotton, OK driver is vacancy; Cotton, OK moved down 726 places.
How many mortgages are delinquent in Cotton County, OK?
Cotton, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Cotton, OK.
Which banks lend in Cotton County, OK?
2 watched lenders hold Cotton, OK branches; the largest Cotton, OK footprints are First State Bank In Temple (1), Walters Bank&Trust Co (1).
More on Cotton, OK
Cotton County, OK distress report: public-record figures for Cotton, OK; not legal advice for Cotton, OK; not tax or investment advice; verify every Cotton, OK record before acting.