Ottawa County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Ottawa County, Oklahoma? DLRadar grades every Ottawa County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 27/100. Here is the 2026 Ottawa County breakdown.
- Ottawa County's most distressed ZIP is 74344 at 27/100.
- 10 ZIP codes tracked in Ottawa County, averaging 19/100 distress.
- Ottawa County reads peak — home values up 2.2% year over year.
- Vacancy runs 23.1% across Ottawa County's tracked ZIPs, with a 19.2% poverty rate.
- The typical Ottawa County home is worth about $144,211 against a ~$52,291 median income.
- Lending headwind in Ottawa County sits at 48/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 74344 | 27/100 |
| 2 | 74331 | 24/100 |
| 3 | 74333 | 19/100 |
| 4 | 74370 | 18/100 |
| 5 | 74354 | 17/100 |
| 6 | 74339 | 16/100 |
| 7 | 74343 | 16/100 |
| 8 | 74358 | 16/100 |
| 9 | 74360 | 16/100 |
| 10 | 74363 | 16/100 |
Most distressed ZIP codes in Ottawa County (composite distress 0-100, 2026)
What is driving Ottawa County distress
Ottawa County's placement in the national index rests on public filings — a 19/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Ottawa County market phase and pricing
Ottawa County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
See the distressed properties behind the data in Ottawa County
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Questions about this county
Which part of Ottawa County, OK scores highest for distress?
ZIP 74344 leads Ottawa County at 27/100, recomputed monthly from public records.
How would you describe the Ottawa County market phase?
The market phase for Ottawa County is peak, prices rising 2.2% on the year — derived from the FHFA House Price Index path.
What is this Ottawa County analysis built from?
Every Ottawa County figure traces to a public source — FHFA House Price Index for the peak trajectory, CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS. The same deterministic model scores all 10 Ottawa County ZIP codes that it runs on every other U.S. county, so Ottawa County's numbers are directly comparable to any other market.
How much do distress scores vary between Ottawa County ZIP codes?
One county number flattens a wide range. Across the Ottawa County ZIPs DLRadar ranks, scores run from 27/100 in 74344 down to 16/100 in 74363, against a Ottawa County average of 19/100. Those 11 points separate the ZIPs worth working in Ottawa County from the rest.
What do Ottawa County home values and vacancy say about distressed supply?
The typical Ottawa County home carries about $144,211 of value against a median household income near $52,291. Vacancy across Ottawa County's tracked ZIPs runs 23.1% and the poverty rate is 19.2%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Ottawa County's foreclosure and tax-lien filings and its 48/100 lending headwind.
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Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.