Payne County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Payne County, OK distress report, 2026: 15 ZIPs scored in Payne, OK, Payne, OK average 26/100; the top Payne, OK ZIP is 74030 at 31/100; Payne, OK market phase peak, Payne, OK prices +2.2% year over year.
- Payne, OK ranks #1,961 nationally (opportunity index); Payne, OK #64 in Oklahoma; Payne, OK index 27.8.
- Payne, OK: no CFPB county sample; Payne, OK non-metro area reading 1.4%.
- Payne, OK ZIP phases: 15 peak.
- Payne, OK residential listings tracked: 7 across 9 ZIPs; Payne, OK candidate listings 3.
- Payne, OK HUD assisted properties: 5 with 515 units.
- Payne, OK lenders on watch: 8; largest Payne, OK footprint Rcb Bank (4 branches).
- Payne, OK most distressed ZIP: 74030 at 31/100.
Payne, OK figures: DLRadar distress index; Payne, OK inputs: CFPB, FHFA, HUD, FDIC; Payne, OK rebuilt as sources refresh.
| Rank | Payne, OK ZIP | Score |
|---|---|---|
| 1 | 74030 | 31/100 |
| 2 | 74062 | 28/100 |
| 3 | 74074 | 28/100 |
| 4 | 74077 | 28/100 |
| 5 | 74078 | 28/100 |
| 6 | 74085 | 28/100 |
| 7 | 74023 | 27/100 |
| 8 | 74059 | 27/100 |
| 9 | 73027 | 26/100 |
| 10 | 74032 | 26/100 |
| 11 | 74045 | 26/100 |
| 12 | 74075 | 26/100 |
Most distressed Payne, OK ZIPs (0-100, 2026)
Mortgage delinquency around Payne, OK
No CFPB county sample covers Payne, OK; the non-metro area reading for Payne, OK: 1.4% ninety-plus; Payne, OK area thirty-to-eighty-nine 3.5% (December 2025, Payne, OK); Oklahoma overall 1.2%.
Opportunity index: Payne, OK
Payne, OK index 27.8, Payne, OK phase weak; Payne, OK primary driver vacancy, Payne, OK second driver construction. Payne, OK components: property stress 20.2, foreclosure pressure 20.2, listing discounts 18.3, bank stress 54.9, insurance 0.0; Payne, OK pulse 32.8; Payne, OK capital opportunity 20.4; Payne, OK seven-day change -0.2%.
ZIP market phases inside Payne, OK
15 Payne, OK ZIPs carry a price-cycle phase; Payne, OK ZIPs by phase (Payne, OK), deepest drawdown first: peak, +2.8% YoY, 0.2% off peak (Payne, OK): 73073; peak, +1.6% YoY, 0.1% off peak (Payne, OK): 74824; peak, +1.7% YoY, 0.1% off peak (Payne, OK): 73063; peak, +1.8% YoY, 0.0% off peak (Payne, OK): 73027; peak, +1.9% YoY, 0.0% off peak (Payne, OK): 74023, 74059; peak, +3.5% YoY (Payne, OK): 74030; peak, +2.4% YoY (Payne, OK): 74032, 74085; peak, +3.6% YoY (Payne, OK): 74045; peak, +2.2% YoY (Payne, OK): 74062, 74074, 74077, 74078; peak, +2.1% YoY (Payne, OK): 74075.
Residential listings by Payne, OK ZIP
Payne, OK ZIPs with the most tracked Payne, OK residential listings: 74023 4 listings, 1 candidates, bank pressure 56; 74032 1 listings, 1 candidates, bank pressure 61; 74074 1 listings, 0 candidates, bank pressure 59; 74085 1 listings, 1 candidates, bank pressure 62 (Payne, OK); 74059 0 listings, 0 candidates, bank pressure 56; 74062 0 listings, 0 candidates, bank pressure 59; 74075 0 listings, 0 candidates, bank pressure 60; 74077 0 listings, 0 candidates, bank pressure 59. Payne, OK totals: 7 listings; Payne, OK candidates 3; active ZIPs 1.
HUD assisted housing in Payne, OK
5 assisted properties with 515 units sit in Payne, OK; largest Payne, OK properties: Cowboy Town (Stillwater) 208 units; Chapel Ridge Of Stillwater (Stillwater) 152 units; Whispering Hills Apartments (Stillwater) 85 units, 85 assisted in Payne, OK; Cimarron Tower (Cushing) 46 units, 46 assisted; Fair Manor (Stillwater) 24 units, 23 assisted.
Lenders with branches in Payne, OK
Payne, OK lenders by branch count: Rcb Bank (Payne, OK): stress 54, 4 branches low in Payne, OK; Blue Sky Bank (Payne, OK): stress 73, 3 branches low in Payne, OK; Bancfirst (Payne, OK): stress 51, 3 branches low in Payne, OK; Bank National Assn (Payne, OK): stress 62, 2 branches low in Payne, OK; Exchange Bank&Trust Co (Payne, OK): stress 57, 2 branches low in Payne, OK; Payne County Bank (Payne, OK): stress 34, 2 branches low in Payne, OK; First Oklahoma Bank (Payne, OK): stress 77, 1 branch low in Payne, OK; American Heritage Bank (Payne, OK): stress 74, 1 branch low in Payne, OK.
Vacancy and permits, Payne, OK
4,460 of 37,069 Payne, OK housing units are vacant; Payne, OK permits, twelve months: 30 multifamily units in Payne, OK, 144 one-to-four unit units.
Work Payne, OK at the parcel level
Every Payne, OK parcel carries owner and address; every Payne, OK parcel carries APN; Payne, OK distress scores sit on the Payne, OK live board.
Payne, OK figures refresh with each source.
Payne, OK questions
Most distressed ZIP code in Payne County, OK?
ZIP 74030 leads Payne, OK at 31/100; next in Payne, OK: 74062 at 28/100; the Payne, OK average is 26/100.
Where does Payne County, OK rank for investment opportunity?
Payne, OK is #1,961 among all ranked counties, #64 in Oklahoma; the Payne, OK driver is vacancy; Payne, OK moved down 439 places.
How many mortgages are delinquent in Payne County, OK?
Payne, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Payne, OK.
Which banks lend in Payne County, OK?
8 watched lenders hold Payne, OK branches; the largest Payne, OK footprints are Rcb Bank (4), Blue Sky Bank (3), Bancfirst (3).
More on Payne, OK
Payne County, OK distress report: public-record figures for Payne, OK; not legal advice for Payne, OK; not tax or investment advice; verify every Payne, OK record before acting.