ZIP
74865
OK · County 40123 · pop 2,019 (population)
30.9
Opportunity Index
EARLY_SIGNALNational rank #20218
Why This ZIP
ZIP 74865 ranks #20218 nationally with phase EARLY_SIGNAL. Primary driver: VACANCY. Capital opportunity score is 28.9, signal coverage 6/10 (75% data coverage, HIGH confidence).
ZIP 74865 — 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 40123 — ZIP 74865 highlighted
Opportunity Index 0-100 · As of — · Auto-refresh 60s
★ 0 sweet
0 buyers-market
0 ZIPs
Parent County 40123 — ZIP 74865 highlightedNational 5y🔥 top = HOT zips · ⊘ bottom = BAD · hover for values
ZIPs in Parent County 40123 — ZIP 74865 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
| Foreclosure / Delinquency | 20.0 |
| Vacancy | 16.1 |
| Property Stress | 16.0 |
▼ Top 3 Risk Signals
| Bank Institutional | 71.7 |
⚠ Missing Data
Auction / REOConstruction PressureFL Deep BonusHOA / Federal LiensListings DiscountInsurance Distress
Coverage: 75%
Confidence: HIGH
⇅ Rank
National rank#20218
PhaseEARLY_SIGNAL
Primary driverVACANCY
Capital opp28.9
Pulse score32.2
Signal Breakdown — 10 Categories
Vacancy
16.1
Auction / REO
—
Construction Pressure
0.0
FL Deep Bonus
—
Property Stress
16.0
HOA / Federal Liens
—
Listings Discount
—
Bank Institutional
71.7
Insurance Distress
0.0
Foreclosure / Delinquency
20.0
Top-Line Metrics
Avg DOM (days)
—
Price Cut %
—%
Short-Sale Listings
—
Auction Events 90d
—
Vacancy %
16.1%
Bank Score
71.7
Insurance Score
0.0
Listings Discount
—
Benchmark vs County vs State vs National
| Tier | Pulse | FC | Ins | Disc |
|---|---|---|---|---|
| ZIP 74865 | 32.2 | 16.1 | 0.0 | — |
| County 40123 | 28.8 | 15.5 | 0.0 | 28.1 |
| OK state avg | 32.8 | 17.2 | 0.0 | 36.0 |
| National | 31.1 | 17.5 | 0.4 | 28.4 |
Related ZIPs — Same County (9)
| ZIP | Opp | Phase | Driver | Disc | Stress |
|---|---|---|---|---|---|
| 74831 | 37.0 | PEAK_OPPORTUNITY | VACANCY | 56 | 13 |
| 74872 | 36.4 | WATCHLIST | VACANCY | 45 | 20 |
| 74825 | 32.2 | EARLY_SIGNAL | VACANCY | — | 16 |
| 74871 | 30.7 | WEAK | VACANCY | — | 18 |
| 74820 | 30.6 | WEAK | VACANCY | 32 | 15 |
| 74572 | 29.3 | WEAK | VACANCY | — | 16 |
| 74844 | 28.0 | WEAK | VACANCY | — | 15 |
| 74842 | 27.6 | WEAK | VACANCY | — | 15 |
| 74843 | 27.3 | WEAK | VACANCY | — | 15 |
DLRadar data · last update 10/20/2026, 6:49:37 AM
API: /api/economic-pulse/zip/74865
Methodology: the opportunity index blends the pulse reading with capital opportunity. Signals from methodology.