ZIP 74075 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 74075 (Payne County, Oklahoma) returns a low composite of 23/100. What sets it apart are the readings on structural risk (48/100), institutional ownership (44/100), construction/permit lag (30/100). By contrast, construction/permit lag (30/100) and mortgage stress (18/100) register low. Environmental exposure also runs high (FEMA disaster exposure (81/100), climate & FEMA risk (79/100)). On the structural side it scores 48/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 2.1% over the trailing year, and 17% higher over three years, at 24/100 phase confidence. Topping markets hide individual distress behind strong averages.

Around 50% of adults hold a bachelor's degree or higher. Population is roughly 26,693 with a median age of 25. Median household income is $45,540, below the U.S. median near $78,000. Home values center near $228,100, an affordability ratio of 4.8×. DLRadar's demographic-stress index for the area reads 39/100. The tenure split is 40% owner-occupied to 60% rented. The poverty rate is 25.3% — high, a tax-stress and distress correlate. The vacancy rate is 11.7% — elevated. Rent burden reaches 45% of tenant households. There are about 12,127 housing units across 74075.

Taken together, 74075 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 74075 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 74075 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 23/100 composite is a like-for-like number rather than an isolated estimate. Where the public record is thin for 74075, the field stays empty rather than modeled, and fills in as new documents post.

The 23/100 figure for 74075 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. Treat 74075 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.