ZIP 74864 Property Distress & Foreclosure Data

DLRadar grades ZIP 74864 (Lincoln County, Oklahoma) at a low 25/100 for overall property distress. Property-level stress concentrates in structural risk (54/100), institutional ownership (53/100), construction/permit lag (38/100). construction/permit lag (38/100) and mortgage stress (21/100) stay muted. On the structural side it scores 54/100, with 6/100 of stress already active. Climate and flood risk are elevated too — FEMA disaster exposure (86/100), climate & FEMA risk (70/100).

Prices here sit in a peak phase: values rose 2.8% over the trailing year (phase confidence 30/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $64,313, median income runs below typical U.S. levels. Around 34% of renters are cost-burdened. Around 16% of adults hold a bachelor's degree or higher. The typical home is worth about $192,100 (2.6× income, relatively affordable). 4,803 residents call 74864 home, typically aged 43. The ZIP holds roughly 2,043 housing units. The poverty rate is 19.5% — high, a tax-stress and distress correlate. The demographic-stress sub-score lands at 29/100. 79% of housing is owner-occupied. The vacancy rate is 10.6%.

Overall, 74864 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.