ZIP 74631 Property Distress & Foreclosure Data

Kay County, Oklahoma's ZIP 74631 registers 24/100 composite distress, which DLRadar reads as low. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (74/100). The latent-versus-live split is 55/100 structural and 3/100 already moving. The most distinctive pressure shows up in construction/permit lag (68/100), structural risk (55/100), institutional ownership (17/100). By contrast, institutional ownership (17/100) and mortgage stress (10/100) register low.

The market reads peak — home values rose 3.4% year on year, and 12% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

The vacancy rate is 26.1% — elevated. 15.7% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 28/100. About 6,795 people live here, median age 37. Median household income is $50,969, below the U.S. median near $78,000. Educational attainment sits at 12% bachelor's-or-above. Around 33% of renters are cost-burdened. Owners hold 65% of homes, renters 35%. Home values center near $86,500, an affordability ratio of 1.5× — accessible. The ZIP holds roughly 3,659 housing units.

Net-net, 74631 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.