ZIP 74855 Property Distress & Foreclosure Data

DLRadar grades ZIP 74855 (Lincoln County, Oklahoma) at a low 23/100 for overall property distress. Property-level stress concentrates in institutional ownership (50/100), structural risk (47/100), construction/permit lag (26/100). construction/permit lag (26/100) and mortgage stress (20/100) stay muted. The latent-versus-live split is 47/100 structural and 6/100 already moving. Climate and flood risk are elevated too — FEMA disaster exposure (90/100), climate & FEMA risk (67/100).

Prices here sit in a peak phase: values rose 2.6% over the trailing year, and 55% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $55,861, median income runs below typical U.S. levels. Around 20% of renters are cost-burdened. The demographic-stress sub-score lands at 27/100. Around 19% of adults hold a bachelor's degree or higher. The typical home is worth about $196,200 (2.7× income, relatively affordable). 72% of housing is owner-occupied. The vacancy rate is 9.9%. 4,292 residents call 74855 home, typically aged 45. The poverty rate is 15.4%. The ZIP holds roughly 1,748 housing units.

Overall, 74855 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.