Kay County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Kay County, Oklahoma? DLRadar grades every Kay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Kay County breakdown.
- Kay County's most distressed ZIP is 74631 at 23/100.
- 10 ZIP codes tracked in Kay County, averaging 21/100 distress.
- Kay County reads peak — home values up 2.2% year over year.
- Vacancy runs 25.8% across Kay County's tracked ZIPs, with a 10.8% poverty rate.
- The typical Kay County home is worth about $112,525 against a ~$60,946 median income.
- Lending headwind in Kay County sits at 43/100 — 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 | 74631 | 23/100 |
| 2 | 74632 | 23/100 |
| 3 | 74641 | 23/100 |
| 4 | 74647 | 23/100 |
| 5 | 74652 | 23/100 |
| 6 | 74601 | 22/100 |
| 7 | 74653 | 22/100 |
| 8 | 74604 | 20/100 |
| 9 | 74646 | 20/100 |
| 10 | 74643 | 11/100 |
Most distressed ZIP codes in Kay County (composite distress 0-100, 2026)
What is driving Kay County distress
Nothing here is estimated: Kay 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.
Kay County market phase and pricing
The cycle in Kay County is peak, with values up 2.2% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Kay County
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Questions and answers
What is the most distressed ZIP code in Kay County, OK?
ZIP 74631 leads Kay County at 23/100, recomputed monthly from public records.
Which phase does Kay County sit in right now?
Kay County is classified peak with a 2.2% year-over-year increase, following the FHFA House Price Index.
Can the Kay County figures be verified?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 10 ZIP codes in Kay County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Kay County ZIP codes?
A county average hides the spread. Across the Kay County ZIPs DLRadar ranks, scores run from 23/100 in 74631 down to 11/100 in 74643, against a Kay County average of 21/100. Because the gap runs to 12 points, Kay County rewards ZIP-level precision.
What do Kay County home values and vacancy say about distressed supply?
The typical Kay County home carries about $112,525 of value against a median household income near $60,946. Vacancy across Kay County's tracked ZIPs runs 25.8% and the poverty rate is 10.8%. Thin affordability and empty housing are what convert a late payment into a sale, so they are read next to Kay County's foreclosure and lien filings and its 43/100 lending headwind.
Related
Scores here are computed from public records by fixed formulas. Nothing on this page is investment, legal or financial advice; the index refreshes monthly.