ZIP 74075 Foreclosure, Tax-Lien & Distress Report

Scored on a fixed 0-100 scale, 74075 (Payne County, Oklahoma) returns a low composite of 26/100. What sets it apart are the readings on construction/permit lag (65/100), structural risk (56/100), institutional ownership (42/100). By contrast, mortgage stress (18/100) register low. Environmental exposure also runs high (climate & FEMA risk (79/100), FEMA disaster exposure (78/100)). On the structural side it scores 56/100, 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 26/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 74075, the field stays empty rather than modeled, and fills in as new documents post.

The 26/100 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.