Kay County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Kay County, OK distress report, 2026: 10 ZIPs scored in Kay, OK, Kay, OK average 21/100; the top Kay, OK ZIP is 74601 at 23/100; Kay, OK market phase peak, Kay, OK prices +2.2% year over year.
- Kay, OK ranks #1,280 nationally (opportunity index); Kay, OK #40 in Oklahoma; Kay, OK index 30.2.
- Kay, OK: no CFPB county sample; Kay, OK non-metro area reading 1.4%.
- Kay, OK ZIP phases: 10 peak.
- Kay, OK residential listings tracked: 3 across 7 ZIPs; Kay, OK candidate listings 3.
- Kay, OK HUD assisted properties: 4 with 302 units.
- Kay, OK lenders on watch: 6; largest Kay, OK footprint Rcb Bank (5 branches).
- Kay, OK most distressed ZIP: 74601 at 23/100.
Kay, OK figures: DLRadar distress index; Kay, OK inputs: CFPB, FHFA, HUD, FDIC; Kay, OK rebuilt as sources refresh.
| Rank | Kay, OK ZIP | Score |
|---|---|---|
| 1 | 74601 | 23/100 |
| 2 | 74631 | 23/100 |
| 3 | 74632 | 23/100 |
| 4 | 74641 | 23/100 |
| 5 | 74647 | 23/100 |
| 6 | 74652 | 23/100 |
| 7 | 74653 | 22/100 |
| 8 | 74604 | 20/100 |
| 9 | 74646 | 20/100 |
| 10 | 74643 | 11/100 |
Most distressed Kay, OK ZIPs (0-100, 2026)
Mortgage delinquency around Kay, OK
No CFPB county sample covers Kay, OK; the non-metro area reading for Kay, OK: 1.4% ninety-plus; Kay, OK area thirty-to-eighty-nine 3.5% (December 2025, Kay, OK); Oklahoma overall 1.2%.
Opportunity index: Kay, OK
Kay, OK index 30.2, Kay, OK phase early_signal; Kay, OK primary driver vacancy, Kay, OK second driver bank institutional. Kay, OK components: property stress 18.3, foreclosure pressure 19.7, listing discounts 25.2, bank stress 55.8, insurance 0.0; Kay, OK pulse 35.2; Kay, OK capital opportunity 22.6; Kay, OK seven-day change +0.5%.
ZIP market phases inside Kay, OK
10 Kay, OK ZIPs carry a price-cycle phase; Kay, OK ZIPs by phase (Kay, OK), deepest drawdown first: peak, +2.1% YoY (Kay, OK): 74601, 74653; peak, +2.9% YoY (Kay, OK): 74604; peak, +2.2% YoY (Kay, OK): 74631, 74632, 74641, 74647; peak, +1.1% YoY (Kay, OK): 74643; peak, +1.9% YoY (Kay, OK): 74646; peak, +3.4% YoY (Kay, OK): 74652.
Residential listings by Kay, OK ZIP
Kay, OK ZIPs with the most tracked Kay, OK residential listings: 74631 2 listings, 2 candidates, bank pressure 55; 74601 1 listings, 1 candidates, bank pressure 57; 74632 0 listings, 0 candidates, bank pressure 55; 74641 0 listings, 0 candidates, bank pressure 55 (Kay, OK); 74646 0 listings, 0 candidates, bank pressure 54; 74647 0 listings, 0 candidates, bank pressure 55; 74653 0 listings, 0 candidates, bank pressure 57. Kay, OK totals: 3 listings; Kay, OK candidates 3; active ZIPs 0.
HUD assisted housing in Kay, OK
4 assisted properties with 302 units sit in Kay, OK; largest Kay, OK properties: Pecan Place Apartments (Ponca City) 160 units; East Terrace Apartments (Ponca City) 60 units, 60 assisted; Paradise Corner Apartments (Ponca City) 60 units, 56 assisted in Kay, OK; Quail Run Apartments (Ponca City) 22 units, 22 assisted.
Lenders with branches in Kay, OK
Kay, OK lenders by branch count: Rcb Bank (Kay, OK): stress 54, 5 branches low in Kay, OK; Stride Bank National Assn (Kay, OK): stress 61, 2 branches low in Kay, OK; Bancfirst (Kay, OK): stress 51, 2 branches low in Kay, OK; Gateway First Bank (Kay, OK): stress 51, 2 branches low in Kay, OK; First Nb Of Oklahoma (Kay, OK): stress 44, 2 branches low in Kay, OK; City Nb&T Co Of Lawton Ok (Kay, OK): stress 46, 1 branch low in Kay, OK.
Vacancy and permits, Kay, OK
4,137 of 20,913 Kay, OK housing units are vacant; Kay, OK permits, twelve months: 0 multifamily units in Kay, OK, 32 one-to-four unit units.
Work Kay, OK at the parcel level
Every Kay, OK parcel carries owner and address; every Kay, OK parcel carries APN; Kay, OK distress scores sit on the Kay, OK live board.
Kay, OK figures refresh with each source.
Kay, OK questions
Most distressed ZIP code in Kay County, OK?
ZIP 74601 leads Kay, OK at 23/100; next in Kay, OK: 74631 at 23/100; the Kay, OK average is 21/100.
Where does Kay County, OK rank for investment opportunity?
Kay, OK is #1,280 among all ranked counties, #40 in Oklahoma; the Kay, OK driver is vacancy; Kay, OK moved down 224 places.
How many mortgages are delinquent in Kay County, OK?
Kay, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Kay, OK.
Which banks lend in Kay County, OK?
6 watched lenders hold Kay, OK branches; the largest Kay, OK footprints are Rcb Bank (5), Stride Bank National Assn (2), Bancfirst (2).
More on Kay, OK
Kay County, OK distress report: public-record figures for Kay, OK; not legal advice for Kay, OK; not tax or investment advice; verify every Kay, OK record before acting.