ZIP 74075 Property Distress & Foreclosure Data

In Payne County, Oklahoma, ZIP 74075 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (47/100), institutional ownership (45/100), construction/permit lag (24/100). construction/permit lag (24/100) and mortgage stress (18/100) stay muted. Climate and flood risk are elevated too — FEMA disaster exposure (82/100), climate & FEMA risk (79/100). On the structural side it scores 47/100, with 5/100 of stress already active.

Prices here sit in a peak phase: values rose 3.5% over the trailing year, and 17% higher over three years (phase confidence 27/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 50% of adults hold a bachelor's degree or higher. 26,693 residents call 74075 home, typically aged 25. At $45,540, median income runs below typical U.S. levels. The typical home is worth about $228,100 (4.8× income). The demographic-stress sub-score lands at 39/100. 40% of housing is owner-occupied. The poverty rate is 25.3% — high, a tax-stress and distress correlate. The vacancy rate is 11.7% — elevated. Around 45% of renters are cost-burdened. The ZIP holds roughly 12,127 housing units.

Taken together, 74075 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.