ZIP 74059 Property Distress & Foreclosure Data

Composite property distress in 74059 (Payne County, Oklahoma) lands at 23/100 — low on DLRadar's public-record scoring. The sharpest non-environmental signals are institutional ownership (50/100), structural risk (48/100), construction/permit lag (21/100). On the quiet end sit construction/permit lag (21/100) and mortgage stress (20/100). The latent-versus-live split is 48/100 structural and 6/100 already moving. Environmental exposure also runs high (FEMA disaster exposure (92/100), climate & FEMA risk (78/100)).

The peak-phase market in 74059 posted values that rose 3.0% over the year, and 21% higher over three years (phase confidence 29/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Households earn a median $53,860 — below the roughly $78,000 national figure. Around 37% of renters are cost-burdened. Roughly 19.5% live below the poverty line, elevated and often tied to deferred-maintenance inventory. The vacancy rate is 8.0%. A median home runs $201,900 here, or 3.6 times local income. About 28% have a four-year degree. Population is roughly 5,854 with a median age of 33. On demographic stress specifically, 74059 scores 32/100. The ZIP holds roughly 2,689 housing units. The tenure split is 72% owner-occupied to 28% rented.

On balance 74059 is mixed, rewarding parcel-by-parcel screening over broad assumptions. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.