Harper County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Harper County, OK distress report, 2026: 7 ZIPs scored in Harper, OK, Harper, OK average 17/100; the top Harper, OK ZIP is 73844 at 23/100; Harper, OK market phase peak, Harper, OK prices +1.1% year over year.
- Harper, OK ranks #741 nationally (opportunity index); Harper, OK #21 in Oklahoma; Harper, OK index 32.2.
- Harper, OK: no CFPB county sample; Harper, OK non-metro area reading 1.4%.
- Harper, OK ZIP phases: 7 peak.
- Harper, OK residential listings tracked: 0 across 2 ZIPs; Harper, OK candidate listings 0.
- Harper, OK lenders on watch: 2; largest Harper, OK footprint Security State Bank (1 branch).
- Harper, OK most distressed ZIP: 73844 at 23/100.
Harper, OK figures: DLRadar distress index; Harper, OK inputs: CFPB, FHFA, HUD, FDIC; Harper, OK rebuilt as sources refresh.
| Rank | Harper, OK ZIP | Score |
|---|---|---|
| 1 | 73844 | 23/100 |
| 2 | 73848 | 20/100 |
| 3 | 73801 | 19/100 |
| 4 | 73834 | 16/100 |
| 5 | 73855 | 16/100 |
| 6 | 73851 | 13/100 |
| 7 | 73842 | 11/100 |
Most distressed Harper, OK ZIPs (0-100, 2026)
Mortgage delinquency around Harper, OK
No CFPB county sample covers Harper, OK; the non-metro area reading for Harper, OK: 1.4% ninety-plus; Harper, OK area thirty-to-eighty-nine 3.5% (December 2025, Harper, OK); Oklahoma overall 1.2%.
Opportunity index: Harper, OK
Harper, OK index 32.2, Harper, OK phase early_signal; Harper, OK primary driver vacancy, Harper, OK second driver construction. Harper, OK components: property stress 22.0, foreclosure pressure 23.0, listing discounts 24.7, bank stress 50.2, insurance 0.0; Harper, OK pulse 37.5; Harper, OK capital opportunity 24.2; Harper, OK seven-day change +0.2%.
ZIP market phases inside Harper, OK
7 Harper, OK ZIPs carry a price-cycle phase; Harper, OK ZIPs by phase (Harper, OK), deepest drawdown first: peak, +1.9% YoY (Harper, OK): 73801; peak, +1.1% YoY (Harper, OK): 73834, 73844, 73848, 73851, Harper, OK 73855; peak, +1.3% YoY (Harper, OK): 73842.
Residential listings by Harper, OK ZIP
Harper, OK ZIPs with the most tracked Harper, OK residential listings: 73834 0 listings, 0 candidates, bank pressure 42; 73855 0 listings, 0 candidates, bank pressure 42. Harper, OK totals: 0 listings; Harper, OK candidates 0; active ZIPs 0.
Lenders with branches in Harper, OK
Harper, OK lenders by branch count: Security State Bank (Harper, OK): stress 46, 1 branch low in Harper, OK; Oklahoma State Bank (Harper, OK): stress 37, 1 branch low in Harper, OK.
Vacancy and permits, Harper, OK
381 of 1,714 Harper, OK housing units are vacant.
Work Harper, OK at the parcel level
Every Harper, OK parcel carries owner and address; every Harper, OK parcel carries APN; Harper, OK distress scores sit on the Harper, OK live board.
Harper, OK figures refresh with each source.
Harper, OK questions
Most distressed ZIP code in Harper County, OK?
ZIP 73844 leads Harper, OK at 23/100; next in Harper, OK: 73848 at 20/100; the Harper, OK average is 17/100.
Where does Harper County, OK rank for investment opportunity?
Harper, OK is #741 among all ranked counties, #21 in Oklahoma; the Harper, OK driver is vacancy; Harper, OK moved down 150 places.
How many mortgages are delinquent in Harper County, OK?
Harper, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Harper, OK.
Which banks lend in Harper County, OK?
2 watched lenders hold Harper, OK branches; the largest Harper, OK footprints are Security State Bank (1), Oklahoma State Bank (1).
More on Harper, OK
Harper County, OK distress report: public-record figures for Harper, OK; not legal advice for Harper, OK; not tax or investment advice; verify every Harper, OK record before acting.