Payne County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Payne County, Oklahoma? DLRadar grades every Payne County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 26/100. Here is the 2026 Payne County breakdown.
- Payne County's most distressed ZIP is 74045 at 26/100.
- 15 ZIP codes tracked in Payne County, averaging 24/100 distress.
- Payne County reads peak — home values up 2.2% year over year.
- Vacancy runs 28% across Payne County's tracked ZIPs, with a 16.5% poverty rate.
- The typical Payne County home is worth about $184,069 against a ~$49,642 median income.
- Lending headwind in Payne County sits at 51/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 74045 | 26/100 |
| 2 | 73027 | 25/100 |
| 3 | 74062 | 25/100 |
| 4 | 74074 | 25/100 |
| 5 | 74077 | 25/100 |
| 6 | 74078 | 25/100 |
| 7 | 74085 | 25/100 |
| 8 | 73063 | 24/100 |
| 9 | 74023 | 24/100 |
| 10 | 74030 | 24/100 |
| 11 | 74059 | 24/100 |
| 12 | 74075 | 23/100 |
Most distressed ZIP codes in Payne County (composite distress 0-100, 2026)
What is driving Payne County distress
Payne County sits inside DLRadar's nationwide distress index, built entirely from public records. Its ZIPs average 24/100 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.
Payne County market phase and pricing
The cycle in Payne 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 Payne County
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Frequently asked
Which ZIP code leads Payne County on distress?
ZIP 74045 leads Payne County at 26/100, recomputed monthly from public records.
Where is Payne County in the housing cycle?
The market phase for Payne County is peak, prices rising 2.2% on the year — derived from the FHFA House Price Index path.
Can the Payne County figures be verified?
Payne County draws on FHFA (peak trajectory), CFPB mortgage performance, county recorder filings, FEMA/NFIP and Census ACS — every one a public source. The scoring model does not change between counties, so these 15 ZIPs are comparable to anywhere else.
How much do distress scores vary between Payne County ZIP codes?
One county number flattens a wide range. Across the Payne County ZIPs DLRadar ranks, scores run from 26/100 in 74045 down to 23/100 in 74075, against a Payne County average of 24/100. Because the gap runs to 3 points, Payne County rewards ZIP-level precision.
What do Payne County home values and vacancy say about distressed supply?
The typical Payne County home carries about $184,069 of value against a median household income near $49,642. Vacancy across Payne County's tracked ZIPs runs 28% and the poverty rate is 16.5%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Payne County's foreclosure and tax-lien record and its 51/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.