ZIP 74074 Property Distress & Foreclosure Data

ZIP code 74074 in Payne County, Oklahoma carries a composite property-distress score of 25/100 — a low reading on DLRadar's deterministic public-record index. Structural exposure scores 50 and live distress 6 on the 0–100 scale. What sets it apart are the readings on institutional ownership (50/100), structural risk (50/100), construction/permit lag (24/100). On the quiet end sit construction/permit lag (24/100) and mortgage stress (20/100). Environmental exposure also runs high (FEMA disaster exposure (93/100), climate & FEMA risk (84/100)).

The peak-phase market in 74074 posted values that rose 3.4% over the year, and 19% higher over three years, at 28/100 phase confidence. Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The tenure split is 49% owner-occupied to 51% rented. On demographic stress specifically, 74074 scores 40/100. Population is roughly 31,934 with a median age of 27. Rent burden reaches 62% of tenant households. A median home runs $258,700 here, or 4.9 times local income. There are about 14,661 housing units across 74074. Vacancy runs 10.8%. Households earn a median $50,245 — below the roughly $78,000 national figure. About 51% have a four-year degree. Roughly 24.8% live below the poverty line, elevated and often tied to deferred-maintenance inventory.

On the whole, 74074 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.