ZIP 74023 Property Distress & Foreclosure Data

Payne County, Oklahoma's ZIP 74023 registers 23/100 composite distress, which DLRadar reads as low. Structural exposure scores 48 and live distress 6 on the 0–100 scale. Environmental exposure also runs high (FEMA disaster exposure (92/100), climate & FEMA risk (76/100)). The most distinctive pressure shows up in institutional ownership (50/100), structural risk (48/100), construction/permit lag (23/100). On the quiet end sit construction/permit lag (23/100) and mortgage stress (20/100).

The peak-phase market in 74023 posted values that rose 3.0% over the year, and 22% higher over three years, at 30/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

A median home runs $145,400 here, or 2.8 times local income. About 16% have a four-year degree. The tenure split is 61% owner-occupied to 39% rented. On demographic stress specifically, 74023 scores 31/100. There are about 5,382 housing units across 74023. Vacancy runs 14.7%, above the national norm and a classic distress-and-opportunity signal. Roughly 23.0% live below the poverty line, elevated and often tied to deferred-maintenance inventory. Rent burden reaches 28% of tenant households. Population is roughly 12,097 with a median age of 38. Households earn a median $48,859 — below the roughly $78,000 national figure.

On the whole, 74023 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.