Garfield County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Garfield County, Oklahoma? DLRadar grades every Garfield County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Garfield County breakdown.
- Garfield County's most distressed ZIP is 73701 at 23/100.
- 22 ZIP codes tracked in Garfield County, averaging 21/100 distress.
- Garfield County reads expansion — home values up 8.5% year over year, 1.0% off peak.
- Vacancy runs 15.2% across Garfield County's tracked ZIPs, with a 9.1% poverty rate.
- The typical Garfield County home is worth about $157,744 against a ~$66,480 median income.
- Lending headwind in Garfield County sits at 9/100 — 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 | 73701 | 23/100 |
| 2 | 73705 | 23/100 |
| 3 | 73720 | 23/100 |
| 4 | 73727 | 23/100 |
| 5 | 73730 | 23/100 |
| 6 | 73733 | 23/100 |
| 7 | 73736 | 23/100 |
| 8 | 73738 | 23/100 |
| 9 | 73743 | 23/100 |
| 10 | 73753 | 23/100 |
| 11 | 73773 | 23/100 |
| 12 | 73703 | 22/100 |
Most distressed ZIP codes in Garfield County (composite distress 0-100, 2026)
What is driving Garfield County distress
Nothing here is estimated: Garfield County is scored from filings alone, and its ZIPs average 21/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Garfield County market phase and pricing
Phase for Garfield County: expansion (+8.5% YoY, 1.0% off peak). As pricing power fades, listings sit longer and sellers become reachable.
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Frequently asked
What is the most distressed ZIP code in Garfield County, OK?
ZIP 73701 leads Garfield County at 23/100, recomputed monthly from public records.
What market phase is Garfield County in?
Garfield County is classified expansion with a 8.5% year-over-year increase, following the FHFA House Price Index.
What is this Garfield County analysis built from?
Every Garfield 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 22 Garfield County ZIP codes that it runs on every other U.S. county, so Garfield County's numbers are directly comparable to any other market.
How much do distress scores vary between Garfield County ZIP codes?
Averaging the county conceals how uneven it is. Across the Garfield County ZIPs DLRadar ranks, scores run from 23/100 in 73701 down to 22/100 in 73703, against a Garfield County average of 21/100. Because the gap runs to 1 points, Garfield County rewards ZIP-level precision.
What do Garfield County home values and vacancy say about distressed supply?
The typical Garfield County home carries about $157,744 of value against a median household income near $66,480. Vacancy across Garfield County's tracked ZIPs runs 15.2% and the poverty rate is 9.1%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Garfield County's filings and its 9/100 lending headwind.
Related
This is a deterministic read of public filings, not advice of any kind — investment, legal or financial. The underlying index updates each month.