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

Kay County, OK, Oklahoma: 10 ZIP codes scored, Kay County, OK averaging 21/100 (low, Kay, OK), from 11 to 24. Kay County, OK is in its peak phase (Kay, OK confidence 23/100): Kay, OK home prices up 2.2% (Kay, OK) over twelve months. Kay County, OK lender headwind: 43/100.

Highest-scoring Kay County, OK ZIPs: 74652 (24/100), 74601 (23/100), 74631 (23/100), 74632 (23/100), 74641 (23/100), 74647 (23/100). Also scored in Kay County, OK: 74653, 74604, 74646, 74643.

Across Kay County, OK's scored ZIPs: median home value $112,525, household income $60,946, 25.8% vacancy, 10.8% poverty, 79% owner-occupied, median age 44.4.

Kay County, OK insurance distress 26/100 (#1,861 in the US); FEMA hazard 0/100 for Kay, OK; 2 federal disaster declarations in Kay County, OK since 2023; 4 Kay, OK NFIP flood claims, $132K paid; Kay, OK construction distress 54/100.

8 banks with 20 branches lend in Kay County, OK; Kay, OK weighted bank stress 55/100, highest 71/100 in Kay, OK.

Kay County, OK unemployment 4.0% (Kay, OK -0.3 pts, six months); 32 new housing units permitted in Kay County, OK over twelve months, Kay, OK down 9% from 35; Kay, OK home prices +7.0% a year (Kay, OK) over three years.

20,913 housing units in Kay County, OK; 5,394 Kay, OK renter households; 37% of Kay, OK renters spend 30%+ of income on rent, 14% (Kay, OK) half or more.

Kay County, OK ranks #1,269 nationally on the opportunity index (Kay, OK, among all ranked counties); Kay, OK scores 30.2/100 and Kay, OK sits #42 inside Oklahoma. Kay, OK is in the early_signal opportunity phase; Kay, OK's primary driver is vacancy, Kay, OK second driver bank institutional; Kay, OK moved down 213 places. 3 short-sale listings across Kay, OK; 61 days on market observed in Kay, OK; 20.4% vacancy over 10 Kay, OK ZIPs.

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

Kay County, OK has 6 watched banks; 6 Kay, OK banks sit in an elevated band. Kay, OK footprints: Rcb Bank (5 branches, stress 54) in Kay, OK; Stride Bank National Assn (2 branches, stress 61) in Kay, OK; Bancfirst (2 branches, stress 51) in Kay, OK.

HUD lists 4 assisted multifamily properties in Kay County, OK with 302 units; 138 Kay, OK units are assisted, 2 Kay, OK properties under project-based Section 8.

4,137 of the 20,913 housing units in Kay, OK sit vacant. Kay County, OK permitted 0 multifamily units in twelve months; Kay, OK's one-to-four unit structures added 32 units in Kay County, OK.