Harper County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Harper County, Oklahoma? DLRadar grades every Harper County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Harper County breakdown.
- Harper County's most distressed ZIP is 73844 at 23/100.
- 7 ZIP codes tracked in Harper County, averaging 18/100 distress.
- Harper County reads peak — home values up 1.1% year over year.
- Vacancy runs 23.8% across Harper County's tracked ZIPs, with a 12.9% poverty rate.
- The typical Harper County home is worth about $134,686 against a ~$65,465 median income.
- Lending headwind in Harper County sits at 5/100 — a forward read on distressed supply.
Source: the DLRadar property-distress index, rebuilt monthly from public records. Cite it freely with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 73844 | 23/100 |
| 2 | 73801 | 22/100 |
| 3 | 73848 | 20/100 |
| 4 | 73851 | 19/100 |
| 5 | 73834 | 16/100 |
| 6 | 73855 | 16/100 |
| 7 | 73842 | 11/100 |
Most distressed ZIP codes in Harper County (composite distress 0-100, 2026)
What is driving Harper County distress
Harper 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.
Harper County market phase and pricing
Harper County reads peak — home prices rose 1.1% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Harper County
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What people ask
What is the hardest-hit ZIP in Harper County?
ZIP 73844 leads Harper County at 23/100, recomputed monthly from public records.
Which phase does Harper County sit in right now?
Harper County reads peak, with home prices up 1.1% year over year. Phase comes from FHFA House Price Index trajectory.
Which datasets feed the Harper County scores?
Each Harper County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 7 local ZIPs and every other county in the country.
How much do distress scores vary between Harper County ZIP codes?
A single county score papers over real variation. Across the Harper County ZIPs DLRadar ranks, scores run from 23/100 in 73844 down to 11/100 in 73842, against a Harper County average of 18/100. With 12 points between best and worst, county-level targeting in Harper County wastes effort.
What do Harper County home values and vacancy say about distressed supply?
The typical Harper County home carries about $134,686 of value against a median household income near $65,465. Vacancy across Harper County's tracked ZIPs runs 23.8% and the poverty rate is 12.9%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Harper County's filings and its 5/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.