ZIP
74864
OK · County 40081 · pop 4,803 (population)
39.4
Opportunity Index
PEAK_OPPORTUNITYNational rank #2743
Why This ZIP
ZIP 74864 ranks #2743 nationally with phase PEAK_OPPORTUNITY. Primary driver: BANK_INSTITUTIONAL. Capital opportunity score is 40.8, signal coverage 7/10 (88% data coverage, HIGH confidence).
ZIP 74864 — Historical Price + Stress Trajectory
50 years FHFA HPI · 2.3 years quarterly stress signalsloading…
Overlay:
🟡 HPI Index (left axis) = FHFA House Price Index annual values from FHFA HPI-AT-BDL ZIP5 dataset · 1975–2025 · base 100. Overlay (right axis) = quarterly stress signal blended with annual HPI YoY where available. annual + quarterly data points loaded.
Parent County 40081 — ZIP 74864 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 40081 — ZIP 74864 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 40081 — ZIP 74864 highlighted — ranked by opportunity
click any row to drill in · gold ★ = sweet spot| # | ZIP | Opp | Phase | Driver | Action | Bank Mv | Cap Rdy | Disc% | Vac% | Short | REO | Why |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| No ZIPs for this county. | ||||||||||||
▲ Top 3 Bullish Signals
| Listings Discount | 47.7 |
| Property Stress | 19.0 |
| Foreclosure / Delinquency | 19.0 |
▼ Top 3 Risk Signals
| Construction Pressure | 87.2 |
| Bank Institutional | 60.4 |
⚠ Missing Data
Auction / REOFL Deep BonusHOA / Federal LiensInsurance Distress
Coverage: 88%
Confidence: HIGH
⇅ Rank
National rank#2743
PhasePEAK_OPPORTUNITY
Primary driverBANK_INSTITUTIONAL
Capital opp40.8
Pulse score38.4
Signal Breakdown — 10 Categories
Vacancy
10.6
Auction / REO
—
Construction Pressure
87.2
FL Deep Bonus
—
Property Stress
19.0
HOA / Federal Liens
—
Listings Discount
47.7
Bank Institutional
60.4
Insurance Distress
0.0
Foreclosure / Delinquency
19.0
Top-Line Metrics
Avg DOM (days)
128.5
Price Cut %
28.3%
Short-Sale Listings
1
Auction Events 90d
—
Vacancy %
10.6%
Bank Score
60.4
Insurance Score
0.0
Listings Discount
47.7
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 74864 | 38.4 | 18.8 | 0.0 | 47.7 |
| County 40081 | 32.6 | 18.3 | 0.0 | 33.1 |
| OK state avg | 32.8 | 17.2 | 0.0 | 36.0 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (10)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 74851 | 40.1 | PEAK_OPPORTUNITY | BANK_INSTITUTIONAL | 55 | 20 |
| 74881 | 37.7 | PEAK_OPPORTUNITY | LISTINGS_DISCOUNT | 56 | 18 |
| 74023 | 37.4 | PEAK_OPPORTUNITY | VACANCY | 42 | 19 |
| 74028 | 36.1 | WATCHLIST | VACANCY | 43 | 23 |
| 74834 | 35.0 | WATCHLIST | BANK_INSTITUTIONAL | 46 | 17 |
| 74869 | 34.9 | WATCHLIST | LISTINGS_DISCOUNT | 50 | 17 |
| 73054 | 33.0 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
| 74832 | 32.8 | EARLY_SIGNAL | VACANCY | — | 17 |
| 73045 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | 28 | 19 |
| 74059 | 32.4 | EARLY_SIGNAL | BANK_INSTITUTIONAL | — | 20 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/74864
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.