Pontotoc County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Pontotoc County, Oklahoma? DLRadar grades every Pontotoc County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 24/100. Here is the 2026 Pontotoc County breakdown.
- Pontotoc County's most distressed ZIP is 74831 at 24/100.
- 10 ZIP codes tracked in Pontotoc County, averaging 15/100 distress.
- Pontotoc County reads peak — home values up 2.2% year over year.
- Vacancy runs 17.9% across Pontotoc County's tracked ZIPs, with a 14.1% poverty rate.
- The typical Pontotoc County home is worth about $150,360 against a ~$61,473 median income.
- Lending headwind in Pontotoc County sits at 66/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 74831 | 24/100 |
| 2 | 74872 | 20/100 |
| 3 | 74820 | 15/100 |
| 4 | 74842 | 15/100 |
| 5 | 74843 | 15/100 |
| 6 | 74844 | 15/100 |
| 7 | 74865 | 15/100 |
| 8 | 74871 | 12/100 |
| 9 | 74825 | 11/100 |
| 10 | 74572 | 9/100 |
Most distressed ZIP codes in Pontotoc County (composite distress 0-100, 2026)
What is driving Pontotoc County distress
Nothing here is estimated: Pontotoc County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Pontotoc County market phase and pricing
DLRadar places Pontotoc County in peak; prices moved up 2.2% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Pontotoc County
The Pontotoc County scores above are open to read. A 60-minute exploration adds the individual distressed properties behind each ZIP — no card required.
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Questions about this county
Which part of Pontotoc County, OK scores highest for distress?
ZIP 74831 leads Pontotoc County at 24/100, recomputed monthly from public records.
Which phase does Pontotoc County sit in right now?
Pontotoc County reads peak, with home prices up 2.2% year over year. Phase comes from FHFA House Price Index trajectory.
What are the sources behind these Pontotoc County numbers?
Each Pontotoc County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 10 local ZIPs and every other county in the country.
How much do distress scores vary between Pontotoc County ZIP codes?
One county number flattens a wide range. Across the Pontotoc County ZIPs DLRadar ranks, scores run from 24/100 in 74831 down to 9/100 in 74572, against a Pontotoc County average of 15/100. The 15-point range is the argument for ZIP-level search across Pontotoc County.
What do Pontotoc County home values and vacancy say about distressed supply?
The typical Pontotoc County home carries about $150,360 of value against a median household income near $61,473. Vacancy across Pontotoc County's tracked ZIPs runs 17.9% and the poverty rate is 14.1%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Pontotoc County's foreclosure and tax-lien record and its 66/100 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.