Harmon County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harmon County, Oklahoma? DLRadar grades every Harmon County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Harmon County breakdown.
- Harmon County's most distressed ZIP is 73532 at 25/100.
- 6 ZIP codes tracked in Harmon County, averaging 11/100 distress.
- Harmon County reads peak — home values up 1.1% year over year.
- Vacancy runs 37.3% across Harmon County's tracked ZIPs, with a 12.4% poverty rate.
- The typical Harmon County home is worth about $94,067 against a ~$60,867 median income.
- Lending headwind in Harmon County sits at 61/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 73532 | 25/100 |
| 2 | 73537 | 24/100 |
| 3 | 73554 | 12/100 |
| 4 | 73544 | 2/100 |
| 5 | 73550 | 2/100 |
| 6 | 73571 | 2/100 |
Most distressed ZIP codes in Harmon County (composite distress 0-100, 2026)
What is driving Harmon County distress
Nothing here is estimated: Harmon County is scored from filings alone, and its ZIPs average 11/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Harmon County market phase and pricing
Phase for Harmon County: peak (+1.1% YoY). As pricing power fades, listings sit longer and sellers become reachable.
See the distressed properties behind the data in Harmon County
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Frequently asked
Where is distress highest inside Harmon County, OK?
ZIP 73532 leads Harmon County at 25/100, recomputed monthly from public records.
Which phase does Harmon County sit in right now?
Harmon County reads peak, with home prices up 1.1% year over year. Phase comes from FHFA House Price Index trajectory.
How is the Harmon County data sourced?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 6 Harmon County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Harmon County ZIP codes?
Averaging the county conceals how uneven it is. Across the Harmon County ZIPs DLRadar ranks, scores run from 25/100 in 73532 down to 2/100 in 73571, against a Harmon County average of 11/100. Because the gap runs to 23 points, Harmon County rewards ZIP-level precision.
What do Harmon County home values and vacancy say about distressed supply?
The typical Harmon County home carries about $94,067 of value against a median household income near $60,867. Vacancy across Harmon County's tracked ZIPs runs 37.3% and the poverty rate is 12.4%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Harmon County's foreclosure and tax-lien record and its 61/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.