ZIP 74640 Property Distress & Foreclosure Data

Garfield County, Oklahoma's ZIP 74640 registers 15/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in construction/permit lag (45/100), structural risk (32/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (67/100). On the structural side it scores 32/100, with 1/100 of stress already active.

The market reads contraction — home values fell 1.3% year on year, 2.5% off the recent peak (phase confidence 51/100). A cooling market tends to open discount-to-value windows.

The ZIP holds roughly 142 housing units. Owners hold 93% of homes, renters 7%. Median household income is $66,875, below the U.S. median near $78,000. Around 14% of renters are cost-burdened. About 240 people live here, median age 55. The vacancy rate is 10.6%. Educational attainment sits at 22% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 20/100. 21.3% of residents fall below the poverty threshold. Home values center near $160,000, an affordability ratio of 1.4× — accessible.

Net-net, 74640 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.