Stephens County, OK Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Stephens County, Oklahoma? DLRadar grades every Stephens County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 28/100. Here is the 2026 Stephens County breakdown.
- Stephens County's most distressed ZIP is 73491 at 28/100.
- 10 ZIP codes tracked in Stephens County, averaging 24/100 distress.
- Stephens County reads peak — home values up 2.2% year over year.
- Vacancy runs 18.2% across Stephens County's tracked ZIPs, with a 19.2% poverty rate.
- The typical Stephens County home is worth about $134,200 against a ~$60,349 median income.
- Lending headwind in Stephens County sits at 49/100 — a forward read on distressed supply.
Data: DLRadar public-record property-distress index, refreshed monthly. Free to cite with attribution to DLRadar (dlradar.com) — a link back is appreciated.
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 73491 | 28/100 |
| 2 | 73533 | 28/100 |
| 3 | 73055 | 27/100 |
| 4 | 73425 | 27/100 |
| 5 | 73434 | 26/100 |
| 6 | 73442 | 26/100 |
| 7 | 73481 | 26/100 |
| 8 | 73529 | 24/100 |
| 9 | 73548 | 16/100 |
| 10 | 73573 | 13/100 |
Most distressed ZIP codes in Stephens County (composite distress 0-100, 2026)
What is driving Stephens County distress
Stephens 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.
Stephens County market phase and pricing
Stephens County reads peak — home prices rose 2.2% over the last year. When prices ease, days-on-market stretch out, surfacing more motivated sellers.
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Questions and answers
Which ZIP code leads Stephens County on distress?
ZIP 73491 leads Stephens County at 28/100, recomputed monthly from public records.
What stage of the price cycle is Stephens County at?
Phase for Stephens County: peak, tracking a 2.2% gain year over year, read off the FHFA index.
Where does the Stephens County data come from?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 10 Stephens County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Stephens County ZIP codes?
A county average hides the spread. Across the Stephens County ZIPs DLRadar ranks, scores run from 28/100 in 73491 down to 13/100 in 73573, against a Stephens County average of 24/100. A spread of 15 points means Stephens County has to be worked ZIP by ZIP.
What do Stephens County home values and vacancy say about distressed supply?
The typical Stephens County home carries about $134,200 of value against a median household income near $60,349. Vacancy across Stephens County's tracked ZIPs runs 18.2% and the poverty rate is 19.2%. Affordability pressure plus standing vacancy is what moves an owner from behind to selling, which is why it is paired with Stephens County's filings and its 49/100 lending headwind.
Related
Every score is formula-driven and sourced from public records. Treat it as research, not investment, legal or financial advice. Monthly refresh.