ZIP 74538 Property Distress & Foreclosure Data

ZIP code 74538 in Coal County, Oklahoma carries a composite property-distress score of 13/100 — a minimal reading on DLRadar's deterministic public-record index. On the structural side it scores 29/100, with 2/100 of stress already active. What sets it apart are the readings on construction/permit lag (85/100), structural risk (29/100), mortgage stress (5/100). By contrast, mortgage stress (5/100) and institutional ownership (3/100) register low.

The market reads neutral — home values rose 4.5% year on year (phase confidence 24/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

Median household income is $48,824, below the U.S. median near $78,000. The vacancy rate is 20.4% — elevated. Around 31% of renters are cost-burdened. Educational attainment sits at 19% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100. About 3,933 people live here, median age 39. 22.7% of residents fall below the poverty threshold. Home values center near $124,500, an affordability ratio of 1.9× — accessible. Owners hold 65% of homes, renters 35%. The ZIP holds roughly 1,897 housing units.

Net-net, 74538 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.