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

Cotton County, OK, Oklahoma: 11 ZIP codes scored, Cotton County, OK averaging 19/100 (low, Cotton, OK), from 12 to 29. Cotton County, OK is in its expansion phase (Cotton, OK confidence 49/100): Cotton, OK home prices up 8.2% (Cotton, OK) over twelve months, 1.4% under their peak. Cotton County, OK lender headwind: 0/100.

Highest-scoring Cotton County, OK ZIPs: 73533 (29/100), 73540 (26/100), 73529 (25/100), 73543 (22/100), 73548 (17/100), 73531 (16/100). Also scored in Cotton County, OK: 73562, 73568, 73572, 73528, 73546.

Across Cotton County, OK's scored ZIPs: median home value $127,445, household income $60,524, 19.4% vacancy, 17.8% poverty, 81% owner-occupied, median age 44.5.

Cotton County, OK insurance distress 24/100 (#1,994 in the US); FEMA hazard 0/100 for Cotton, OK; 2 federal disaster declarations in Cotton County, OK since 2023; 2 Cotton, OK NFIP flood claims, $60K paid; Cotton, OK construction distress 91/100.

2 banks with 2 branches lend in Cotton County, OK; Cotton, OK weighted bank stress 26/100, highest 41/100 in Cotton, OK.

Cotton County, OK unemployment 3.9% (Cotton, OK +0.3 pts, six months); 1 new housing units permitted in Cotton County, OK over twelve months, Cotton, OK down 67% from 3; Cotton, OK home prices +8.9% a year (Cotton, OK) over three years.

2,697 housing units in Cotton County, OK; 419 Cotton, OK renter households; 31% of Cotton, OK renters spend 30%+ of income on rent, 18% (Cotton, OK) half or more.

Cotton County, OK ranks #1,974 nationally on the opportunity index (Cotton, OK, among all ranked counties); Cotton, OK scores 27.8/100 and Cotton, OK sits #64 inside Oklahoma. Cotton, OK is in the weak opportunity phase; Cotton, OK's primary driver is vacancy, Cotton, OK second driver construction; Cotton, OK moved down 726 places. 10 short-sale listings across Cotton, OK; 15 days on market observed in Cotton, OK; 22.1% vacancy over 11 Cotton, OK ZIPs.

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

Cotton County, OK has 2 watched banks; 2 Cotton, OK banks sit in an elevated band. Cotton, OK footprints: First State Bank In Temple (1 branch, stress 41) in Cotton, OK; Walters Bank&Trust Co (1 branch, stress 11) in Cotton, OK.

657 of the 2,697 housing units in Cotton, OK sit vacant. Cotton County, OK permitted 0 multifamily units in twelve months; Cotton, OK's one-to-four unit structures added 1 units in Cotton County, OK.