Cotton County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Cotton County, Oklahoma? DLRadar grades every Cotton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Cotton County breakdown.
- Cotton County's most distressed ZIP is 73533 at 28/100.
- 11 ZIP codes tracked in Cotton County, averaging 18/100 distress.
- Cotton County reads expansion — home values up 8.2% year over year, 1.4% off peak.
- Vacancy runs 19.4% across Cotton County's tracked ZIPs, with a 17.8% poverty rate.
- The typical Cotton County home is worth about $127,445 against a ~$60,524 median income.
- Lending headwind in Cotton County sits at 0/100 — a forward read on distressed supply.
Data drawn from the DLRadar distress index, recomputed monthly from public filings. Cite with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 73533 | 28/100 |
| 2 | 73540 | 25/100 |
| 3 | 73529 | 24/100 |
| 4 | 73543 | 22/100 |
| 5 | 73531 | 16/100 |
| 6 | 73548 | 16/100 |
| 7 | 73562 | 16/100 |
| 8 | 73568 | 16/100 |
| 9 | 73572 | 14/100 |
| 10 | 73528 | 13/100 |
| 11 | 73546 | 12/100 |
Most distressed ZIP codes in Cotton County (composite distress 0-100, 2026)
What is driving Cotton County distress
Cotton County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 18/100 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.
Cotton County market phase and pricing
DLRadar places Cotton County in expansion; prices moved up 8.2% over the year and remain 1.4% under peak. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Cotton County
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What people ask
Which Cotton County ZIP scores worst for distress?
ZIP 73533 leads Cotton County at 28/100, recomputed monthly from public records.
Where is Cotton County in the housing cycle?
The market phase for Cotton County is expansion, prices rising 8.2% on the year — derived from the FHFA House Price Index path.
Which datasets feed the Cotton County scores?
Every Cotton County figure traces to a public source — FHFA House Price Index for the expansion trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 11 Cotton County ZIP codes that it runs on every other U.S. county, so Cotton County's numbers are directly comparable to any other market.
How much do distress scores vary between Cotton County ZIP codes?
Averaging the county conceals how uneven it is. Across the Cotton County ZIPs DLRadar ranks, scores run from 28/100 in 73533 down to 12/100 in 73546, against a Cotton County average of 18/100. With 16 points between best and worst, county-level targeting in Cotton County wastes effort.
What do Cotton County home values and vacancy say about distressed supply?
The typical Cotton County home carries about $127,445 of value against a median household income near $60,524. Vacancy across Cotton County's tracked ZIPs runs 19.4% and the poverty rate is 17.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Cotton County's foreclosure and lien filings and its 0/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.