Carter County, OK: Foreclosures, Tax Liens & Distressed Properties

Carter County, OK, Oklahoma: 16 ZIP codes scored, Carter County, OK averaging 23/100 (low, Carter, OK), from 6 to 28. Carter County, OK is in its peak phase (Carter, OK confidence 23/100): Carter, OK home prices up 2.2% (Carter, OK) over twelve months. Carter County, OK lender headwind: 25/100.

Highest-scoring Carter County, OK ZIPs: 73425 (28/100), 73435 (27/100), 73436 (27/100), 73437 (27/100), 73438 (27/100), 73443 (27/100). Also scored in Carter County, OK: 73458, 73487, 73488, 73401, 73481, 73444, 73463, 73446, 73456, 73453.

Across Carter County, OK's scored ZIPs: median home value $153,743, household income $59,555, 18.2% vacancy, 16.0% poverty, 80% owner-occupied, median age 44.2.

Carter County, OK insurance distress 64/100 (#806 in the US); FEMA hazard 52/100 for Carter, OK; 4 federal disaster declarations in Carter County, OK since 2023; 2 Carter, OK NFIP flood claims, $506K paid; Carter, OK construction distress 35/100.

8 banks with 23 branches lend in Carter County, OK; Carter, OK weighted bank stress 54/100, highest 72/100 in Carter, OK.

Carter County, OK unemployment 6.0% (Carter, OK -0.5 pts, six months); 69 new housing units permitted in Carter County, OK over twelve months, Carter, OK up 15% from 60; Carter, OK home prices +8.9% a year (Carter, OK) over three years.

21,624 housing units in Carter County, OK; 6,108 Carter, OK renter households; 36% of Carter, OK renters spend 30%+ of income on rent, 17% (Carter, OK) half or more.

Carter County, OK ranks #941 nationally on the opportunity index (Carter, OK, among all ranked counties); Carter, OK scores 31.4/100 and Carter, OK sits #30 inside Oklahoma. Carter, OK is in the watchlist opportunity phase; Carter, OK's primary driver is vacancy, Carter, OK second driver bank institutional; Carter, OK moved up 684 places. 13 short-sale listings across Carter, OK; 116 days on market observed in Carter, OK; 12.6% vacancy over 16 Carter, OK ZIPs.

No CFPB county sample covers Carter County, OK. The non-metro area reading for Carter, OK: 1.4% ninety-plus days late; Carter, OK's thirty-to-eighty-nine share is 3.5% (Carter, OK, December 2025 data); Oklahoma overall 1.2%.

Carter County, OK has 6 watched banks; 6 Carter, OK banks sit in an elevated band. Carter, OK footprints: American Nation Bank (5 branches, stress 61) in Carter, OK; First Nb&T Co Of Ardmore (5 branches, stress 58) in Carter, OK; Citizens B&T Co Of Ardmore (4 branches, stress 61) in Carter, OK.

HUD lists 4 assisted multifamily properties in Carter County, OK with 285 units; 137 Carter, OK units are assisted, 1 Carter, OK properties under project-based Section 8.

2,578 of the 21,624 housing units in Carter, OK sit vacant. Carter County, OK permitted 0 multifamily units in twelve months; Carter, OK's one-to-four unit structures added 69 units in Carter County, OK.