Pontotoc County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Pontotoc County, OK distress report, 2026: 10 ZIPs scored in Pontotoc, OK, Pontotoc, OK average 15/100; the top Pontotoc, OK ZIP is 74831 at 23/100; Pontotoc, OK market phase peak, Pontotoc, OK prices +2.2% year over year.
- Pontotoc, OK ranks #2,413 nationally (opportunity index); Pontotoc, OK #70 in Oklahoma; Pontotoc, OK index 26.2.
- Pontotoc, OK: no CFPB county sample; Pontotoc, OK non-metro area reading 1.4%.
- Pontotoc, OK ZIP phases: 10 peak.
- Pontotoc, OK residential listings tracked: 10 across 7 ZIPs; Pontotoc, OK candidate listings 6.
- Pontotoc, OK HUD assisted properties: 4 with 117 units.
- Pontotoc, OK lenders on watch: 6; largest Pontotoc, OK footprint Vision Bank (3 branches).
- Pontotoc, OK most distressed ZIP: 74831 at 23/100.
Pontotoc, OK figures: DLRadar distress index; Pontotoc, OK inputs: CFPB, FHFA, HUD, FDIC; Pontotoc, OK rebuilt as sources refresh.
| Rank | Pontotoc, OK ZIP | Score |
|---|---|---|
| 1 | 74831 | 23/100 |
| 2 | 74872 | 19/100 |
| 3 | 74820 | 15/100 |
| 4 | 74842 | 15/100 |
| 5 | 74843 | 15/100 |
| 6 | 74844 | 15/100 |
| 7 | 74865 | 15/100 |
| 8 | 74825 | 12/100 |
| 9 | 74871 | 12/100 |
| 10 | 74572 | 9/100 |
Most distressed Pontotoc, OK ZIPs (0-100, 2026)
Mortgage delinquency around Pontotoc, OK
No CFPB county sample covers Pontotoc, OK; the non-metro area reading for Pontotoc, OK: 1.4% ninety-plus; Pontotoc, OK area thirty-to-eighty-nine 3.5% (December 2025, Pontotoc, OK); Oklahoma overall 1.2%.
Opportunity index: Pontotoc, OK
Pontotoc, OK index 26.2, Pontotoc, OK phase weak; Pontotoc, OK primary driver vacancy, Pontotoc, OK second driver bank institutional. Pontotoc, OK components: property stress 15.3, foreclosure pressure 15.5, listing discounts 28.1, bank stress 60.2, insurance 0.0; Pontotoc, OK pulse 28.8; Pontotoc, OK capital opportunity 22.3.
ZIP market phases inside Pontotoc, OK
10 Pontotoc, OK ZIPs carry a price-cycle phase; Pontotoc, OK ZIPs by phase (Pontotoc, OK), deepest drawdown first: peak, +1.5% YoY, 0.1% off peak (Pontotoc, OK): 74831; peak, +1.3% YoY, 0.0% off peak (Pontotoc, OK): 74872; peak, +1.3% YoY (Pontotoc, OK): 74572; peak, +2.2% YoY (Pontotoc, OK): 74820, 74842, 74843, 74844; peak, +1.6% YoY (Pontotoc, OK): 74825; peak, +2.1% YoY (Pontotoc, OK): 74865; peak, +1.8% YoY (Pontotoc, OK): 74871.
Residential listings by Pontotoc, OK ZIP
Pontotoc, OK ZIPs with the most tracked Pontotoc, OK residential listings: 74820 9 listings, 6 candidates, bank pressure 62; 74825 1 listings, 0 candidates, bank pressure 62; 74842 0 listings, 0 candidates, bank pressure 61; 74843 0 listings, 0 candidates, bank pressure 61 (Pontotoc, OK); 74844 0 listings, 0 candidates, bank pressure 61; 74865 0 listings, 0 candidates, bank pressure 59; 74871 0 listings, 0 candidates, bank pressure 61. Pontotoc, OK totals: 10 listings; Pontotoc, OK candidates 6; active ZIPs 1.
HUD assisted housing in Pontotoc, OK
4 assisted properties with 117 units sit in Pontotoc, OK; largest Pontotoc, OK properties: Arlington Gardens (Ada) 69 units; Big Five Ada Housing (Ada) 18 units, 18 assisted; Woodlands Apartments (Ada) 16 units, 15 assisted in Pontotoc, OK; Woodlands Ii (Ada) 14 units, 14 assisted.
Lenders with branches in Pontotoc, OK
Pontotoc, OK lenders by branch count: Vision Bank (Pontotoc, OK): stress 74, 3 branches low in Pontotoc, OK; Chickasaw Community Bank (Pontotoc, OK): stress 74, 3 branches low in Pontotoc, OK; Citizens Bank Of Ada (Pontotoc, OK): stress 57, 3 branches low in Pontotoc, OK; First United Bank&Trust Co (Pontotoc, OK): stress 73, 2 branches low in Pontotoc, OK; First American Bank (Pontotoc, OK): stress 47, 1 branch low in Pontotoc, OK; Farmers Stb Allen Oklahoma (Pontotoc, OK): stress 35, 1 branch low in Pontotoc, OK.
Vacancy and permits, Pontotoc, OK
2,397 of 17,531 Pontotoc, OK housing units are vacant; Pontotoc, OK permits, twelve months: 0 multifamily units in Pontotoc, OK, 28 one-to-four unit units.
Work Pontotoc, OK at the parcel level
Every Pontotoc, OK parcel carries owner and address; every Pontotoc, OK parcel carries APN; Pontotoc, OK distress scores sit on the Pontotoc, OK live board.
Pontotoc, OK figures refresh with each source.
Pontotoc, OK questions
Most distressed ZIP code in Pontotoc County, OK?
ZIP 74831 leads Pontotoc, OK at 23/100; next in Pontotoc, OK: 74872 at 19/100; the Pontotoc, OK average is 15/100.
Where does Pontotoc County, OK rank for investment opportunity?
Pontotoc, OK is #2,413 among all ranked counties, #70 in Oklahoma; the Pontotoc, OK driver is vacancy; Pontotoc, OK moved up 144 places.
How many mortgages are delinquent in Pontotoc County, OK?
Pontotoc, OK takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Pontotoc, OK.
Which banks lend in Pontotoc County, OK?
6 watched lenders hold Pontotoc, OK branches; the largest Pontotoc, OK footprints are Vision Bank (3), Chickasaw Community Bank (3), Citizens Bank Of Ada (3).
More on Pontotoc, OK
Pontotoc County, OK distress report: public-record figures for Pontotoc, OK; not legal advice for Pontotoc, OK; not tax or investment advice; verify every Pontotoc, OK record before acting.