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

Payne County, OK, Oklahoma: 15 ZIP codes scored, Payne County, OK averaging 26/100 (low, Payne, OK), from 20 to 31. Payne County, OK is in its peak phase (Payne, OK confidence 23/100): Payne, OK home prices up 2.2% (Payne, OK) over twelve months. Payne County, OK lender headwind: 51/100.

Highest-scoring Payne County, OK ZIPs: 74030 (31/100), 74062 (28/100), 74074 (28/100), 74077 (28/100), 74078 (28/100), 74085 (28/100). Also scored in Payne County, OK: 74023, 74059, 73027, 74032, 74045, 74075, 73063, 74824, 73073.

Across Payne County, OK's scored ZIPs: median home value $184,069, household income $49,642, 28.0% vacancy, 16.5% poverty, 74% owner-occupied, median age 38.5.

Payne County, OK insurance distress 45/100 (#1,224 in the US); FEMA hazard 89/100 for Payne, OK; 8 federal disaster declarations in Payne County, OK since 2023; Payne, OK construction distress 62/100.

16 banks with 28 branches lend in Payne County, OK; Payne, OK weighted bank stress 58/100, highest 85/100 in Payne, OK.

Payne County, OK unemployment 4.1%; 174 new housing units permitted in Payne County, OK over twelve months, Payne, OK down 15% from 204; Payne, OK home prices +8.6% a year (Payne, OK) over three years.

37,069 housing units in Payne County, OK; 15,875 Payne, OK renter households; 55% of Payne, OK renters spend 30%+ of income on rent, 34% (Payne, OK) half or more.

Payne County, OK ranks #1,974 nationally on the opportunity index (Payne, OK, among all ranked counties); Payne, OK scores 27.8/100 and Payne, OK sits #64 inside Oklahoma. Payne, OK is in the weak opportunity phase; Payne, OK's primary driver is vacancy, Payne, OK second driver construction; Payne, OK moved down 322 places. 7 short-sale listings across Payne, OK; 94 days on market observed in Payne, OK; 14.4% vacancy over 15 Payne, OK ZIPs.

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

Payne County, OK has 12 watched banks; 12 Payne, OK banks sit in an elevated band. Payne, OK footprints: Rcb Bank (4 branches, stress 54) in Payne, OK; Blue Sky Bank (3 branches, stress 73) in Payne, OK; Bancfirst (3 branches, stress 51) in Payne, OK.

HUD lists 5 assisted multifamily properties in Payne County, OK with 515 units; 154 Payne, OK units are assisted, 2 Payne, OK properties under project-based Section 8.

4,460 of the 37,069 housing units in Payne, OK sit vacant. Payne County, OK permitted 30 multifamily units in twelve months; Payne, OK's one-to-four unit structures added 144 units in Payne County, OK.