Lincoln County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Lincoln County, OK distress report, 2026: 16 ZIPs scored in Lincoln, OK, Lincoln, OK average 26/100; the top Lincoln, OK ZIP is 74028 at 31/100; Lincoln, OK market phase peak, Lincoln, OK prices +1.5% year over year.
- Lincoln, OK ranks #1,296 nationally (opportunity index); Lincoln, OK #43 in Oklahoma; Lincoln, OK index 30.1.
- Lincoln, OK: no CFPB county sample; Lincoln, OK metro area reading 1.1%.
- Lincoln, OK ZIP phases: 16 peak.
- Lincoln, OK residential listings tracked: 14 across 10 ZIPs; Lincoln, OK candidate listings 5.
- Lincoln, OK HUD assisted properties: 1 with 21 units.
- Lincoln, OK lenders on watch: 5; largest Lincoln, OK footprint Bancfirst (5 branches).
- Lincoln, OK most distressed ZIP: 74028 at 31/100.
Lincoln, OK figures: DLRadar distress index; Lincoln, OK inputs: CFPB, FHFA, HUD, FDIC; Lincoln, OK rebuilt as sources refresh.
| Rank | Lincoln, OK ZIP | Score |
|---|---|---|
| 1 | 74028 | 31/100 |
| 2 | 73054 | 30/100 |
| 3 | 74851 | 30/100 |
| 4 | 73045 | 29/100 |
| 5 | 74864 | 29/100 |
| 6 | 74023 | 27/100 |
| 7 | 74059 | 27/100 |
| 8 | 74855 | 26/100 |
| 9 | 74079 | 25/100 |
| 10 | 74824 | 24/100 |
| 11 | 74026 | 23/100 |
| 12 | 74832 | 23/100 |
Most distressed Lincoln, OK ZIPs (0-100, 2026)
Mortgage delinquency around Lincoln, OK
No CFPB county sample covers Lincoln, OK; the metro area reading for Lincoln, OK (Oklahoma City, OK): 1.1% ninety-plus; Lincoln, OK area thirty-to-eighty-nine 2.3% (December 2025, Lincoln, OK); Oklahoma overall 1.2%.
Opportunity index: Lincoln, OK
Lincoln, OK index 30.1, Lincoln, OK phase early_signal; Lincoln, OK primary driver construction, Lincoln, OK second driver bank institutional. Lincoln, OK components: property stress 18.4, foreclosure pressure 18.3, listing discounts 33.1, bank stress 53.2, insurance 0.0; Lincoln, OK pulse 32.7; Lincoln, OK capital opportunity 26.3; Lincoln, OK seven-day change -0.2%.
ZIP market phases inside Lincoln, OK
16 Lincoln, OK ZIPs carry a price-cycle phase; Lincoln, OK ZIPs by phase (Lincoln, OK), deepest drawdown first: peak, +1.5% YoY, 0.1% off peak (Lincoln, OK): 73054, 74026, 74832, 74834, Lincoln, OK 74869, 74875, 74881, 73045; peak, +1.6% YoY, 0.1% off peak (Lincoln, OK): 74824, 74855; peak, +2.1% YoY, 0.0% off peak (Lincoln, OK): 74079; peak, +1.7% YoY, 0.0% off peak (Lincoln, OK): 74864; peak, +1.9% YoY, 0.0% off peak (Lincoln, OK): 74851, 74023, 74059; peak, +3.6% YoY, 0.0% off peak (Lincoln, OK): 74028.
Residential listings by Lincoln, OK ZIP
Lincoln, OK ZIPs with the most tracked Lincoln, OK residential listings: 74834 5 listings, 4 candidates, bank pressure 46; 74864 5 listings, 1 candidates, bank pressure 57; 74855 2 listings, 0 candidates, bank pressure 57; 74869 1 listings, 0 candidates, bank pressure 46 (Lincoln, OK); 74881 1 listings, 0 candidates, bank pressure 50; 74026 0 listings, 0 candidates, bank pressure 46; 74079 0 listings, 0 candidates, bank pressure 57; 74824 0 listings, 0 candidates, bank pressure 56. Lincoln, OK totals: 14 listings; Lincoln, OK candidates 5; active ZIPs 5.
HUD assisted housing in Lincoln, OK
1 assisted properties with 21 units sit in Lincoln, OK; largest Lincoln, OK properties: Greenridge Place Apartments (Meeker) 21 units, 21 assisted.
Lenders with branches in Lincoln, OK
Lincoln, OK lenders by branch count: Bancfirst (Lincoln, OK): stress 51, 5 branches low in Lincoln, OK; Vision Bank (Lincoln, OK): stress 74, 2 branches low in Lincoln, OK; First Bank&Trust Co (Lincoln, OK): stress 28, 2 branches low in Lincoln, OK; International Bk Of Com (Lincoln, OK): stress 44, 1 branch low in Lincoln, OK; Payne County Bank (Lincoln, OK): stress 34, 1 branch low in Lincoln, OK.
Vacancy and permits, Lincoln, OK
1,420 of 14,561 Lincoln, OK housing units are vacant; Lincoln, OK permits, twelve months: 0 multifamily units in Lincoln, OK, 27 one-to-four unit units.
Work Lincoln, OK at the parcel level
Every Lincoln, OK parcel carries owner and address; every Lincoln, OK parcel carries APN; Lincoln, OK distress scores sit on the Lincoln, OK live board.
Lincoln, OK figures refresh with each source.
Lincoln, OK questions
Most distressed ZIP code in Lincoln County, OK?
ZIP 74028 leads Lincoln, OK at 31/100; next in Lincoln, OK: 73054 at 30/100; the Lincoln, OK average is 26/100.
Where does Lincoln County, OK rank for investment opportunity?
Lincoln, OK is #1,296 among all ranked counties, #43 in Oklahoma; the Lincoln, OK driver is construction; Lincoln, OK moved up 254 places.
How many mortgages are delinquent in Lincoln County, OK?
Lincoln, OK takes the metro area reading of 1.1% for December 2025; no CFPB county sample covers Lincoln, OK.
Which banks lend in Lincoln County, OK?
5 watched lenders hold Lincoln, OK branches; the largest Lincoln, OK footprints are Bancfirst (5), Vision Bank (2), First Bank&Trust Co (2).
More on Lincoln, OK
Lincoln County, OK distress report: public-record figures for Lincoln, OK; not legal advice for Lincoln, OK; not tax or investment advice; verify every Lincoln, OK record before acting.