ZIP 74085 Property Distress & Foreclosure Data

DLRadar grades ZIP 74085 (Payne County, Oklahoma) at a low 24/100 for overall property distress. Structural exposure scores 49 and live distress 6 on the 0–100 scale. It additionally carries heavy environmental risk: FEMA disaster exposure (93/100), climate & FEMA risk (81/100). Property-level stress concentrates in institutional ownership (50/100), structural risk (49/100), construction/permit lag (23/100). By contrast, construction/permit lag (23/100) and mortgage stress (20/100) register low.

The market reads peak — home values rose 3.4% year on year, at 28/100 phase confidence. Topping markets hide individual distress behind strong averages.

Home values center near $200,400, an affordability ratio of 4.2×. 24.4% of residents fall below the poverty threshold. Vacancy runs 18.0%, above the national norm and a classic distress-and-opportunity signal. Rent burden reaches 44% of tenant households. About 2,391 people live here, median age 46. Educational attainment sits at 12% bachelor's-or-above. There are about 1,178 housing units across 74085. DLRadar's demographic-stress index for the area reads 38/100. Owners hold 76% of homes, renters 24%. Median household income is $41,111, below the U.S. median near $78,000.

Net-net, 74085 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.