Oklahoma Foreclosures, Tax Liens & Distressed Properties

Across Oklahoma, DLRadar turns foreclosure, mortgage, tax and bank-stress records into a distress score for every ZIP. By market phase, the county split is 74 peak, 3 expansion. 77 counties and 665 ZIPs are tracked statewide, averaging 20/100. The dominant market phase statewide is peak (avg HPI +1.9% YoY).

Among the hardest-hit are Beaver County, Nowata County, Adair County, Cherokee County, Bryan County.

By ZIP, Oklahoma distress peaks in 74801 (34/100), 74804 (34/100), 74826 (34/100), 74852 (34/100), 74866 (34/100).

A county-level read across Oklahoma follows.

Adair County sits in peak, up 1.1% on the year, bank stress 79/100. In Alfalfa County, peak: up 1.1% on the year. Atoka County is peak (appreciation near 1.1%, a 54/100 lender reading). Beaver County: peak, homes +1.1% YoY, a 96/100 lender reading. DLRadar reads Beckham County as peak — appreciation near 2.2%. DLRadar reads Blaine County as peak — appreciation near 1.1%. Bryan County is in its peak phase, up 2.2% on the year, a 76/100 lender reading.

DLRadar reads Caddo County as peak — homes +1.1% YoY, bank stress 64/100. DLRadar reads Canadian County as peak — up 1.5% on the year, a 44/100 lender reading. Carter County reads peak — prices up 2.2%, lender pressure 25/100. Cherokee County reads peak — appreciation near 2.2%, bank stress 78/100. DLRadar reads Choctaw County as peak — values rising 1.1%, lender pressure 37/100. DLRadar reads Cimarron County as peak — up 1.1% on the year. DLRadar reads Cleveland County as peak — values rising 1.5%, a 55/100 lender reading.

In Coal County, peak: up 1.1% on the year, lender pressure 52/100. DLRadar reads Comanche County as expansion — appreciation near 8.2%, 1.4% off peak. Cotton County is expansion (up 8.2% on the year, down 1.4% from its high). Craig County is peak (prices up 1.1%, a 31/100 lender reading). In Creek County, peak: prices up 3.6%, headwind 60/100. In Custer County, peak: homes +2.2% YoY, bank stress 15/100. Delaware County sits in peak, appreciation near 1.1%, bank stress 48/100.

Dewey County is in its peak phase, homes +1.1% YoY, a 39/100 lender reading. Ellis County — peak, appreciation near 1.1%. Garfield County is expansion (appreciation near 8.5%). DLRadar reads Garvin County as peak — up 1.1% on the year, bank stress 73/100. Grady County: peak, up 1.5% on the year, lender pressure 27/100. Grant County — peak, up 1.1% on the year, bank stress 43/100. Greer County: peak, homes +1.1% YoY, bank stress 60/100.

Harmon County is peak (homes +1.1% YoY, lender pressure 61/100). Harper County — peak, appreciation near 1.1%. Haskell County sits in peak, appreciation near 1.1%, headwind 18/100. DLRadar reads Hughes County as peak — prices up 1.1%, headwind 56/100. Jackson County sits in peak, values rising 2.2%, bank stress 33/100. Jefferson County is in its peak phase, appreciation near 1.1%. Johnston County reads peak — up 1.1% on the year, lender pressure 62/100.

Kay County: peak, appreciation near 2.2%, lender pressure 43/100. Kingfisher County — peak, appreciation near 1.1%. In Kiowa County, peak: prices up 1.1%, lender pressure 27/100. Latimer County: peak, up 1.1% on the year, a 19/100 lender reading. DLRadar reads Le Flore County as peak — appreciation near 1.1%, lender pressure 55/100. In Lincoln County, peak: homes +1.5% YoY. Logan County sits in peak, homes +1.5% YoY.

Love County: peak, appreciation near 1.1%, headwind 26/100. Major County sits in peak, appreciation near 1.1%. DLRadar reads Marshall County as peak — values rising 1.1%, bank stress 58/100. DLRadar reads Mayes County as peak — values rising 1.1%. Mcclain County — peak, prices up 1.5%, headwind 16/100. Mccurtain County — peak, prices up 1.1%, bank stress 19/100. Mcintosh County — peak, homes +1.1% YoY, headwind 61/100.

Murray County — peak, prices up 1.1%, bank stress 63/100.

Oklahoma opportunity phases: 28 early_signal, 20 watchlist, 14 weak, 9 peak_opportunity, 3 overheated, 3 strong_buy; Oklahoma average index 30.5. Best-ranked Oklahoma counties: Pawnee #73 (37.9), vacancy; Blaine #80 (37.7), vacancy; Murray #143 (36.4), vacancy in Oklahoma; Mcintosh #151 (36.3), vacancy; Hughes #208 (35.7), vacancy; Pottawatomie #229 (35.5), construction.

Oklahoma mortgages ninety-plus days late: 1.2%; Oklahoma thirty-to-eighty-nine days late 2.6% (December 2025); 4 Oklahoma counties sit in the CFPB sample; highest Oklahoma county readings: Canadian 1.5%, Oklahoma 1.1%, Cleveland 0.9%, Tulsa 0.9%.

Oklahoma county unemployment averages 4.1% across 77 counties; Oklahoma permitted 14,706 housing units in twelve months (3,265 multifamily); 212,738 of 1,775,127 Oklahoma housing units are vacant; 527,573 Oklahoma renter households, 33.6% spending 30%+ of income on rent.

Oklahoma ZIP price-cycle phases: 2,474 peak, 368 contraction, 295 neutral, 205 recovery, 77 expansion.