Osceola County, Florida

County Distress Index: Elevated · 61.8 | 437,784 people · 35th most distressed in Florida
American Default Research

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Osceola County, FL registers elevated household financial distress with a score of 61.8 — 701st nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Florida, it ranks 35th of 67 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Osceola County's primary driver is Housing Cost Burden at 94.6 — worse than roughly 95% of U.S. counties.

Housing Cost Burden Primary driver 94.6
Rent-Burdened (30%+) 100
Severely Rent-Burdened (50%+) 99
Mortgage-Burdened (30%+) 96
Homeownership Rate 82
Rent-to-Income Ratio 97
Debt & Delinquency 80.9
Debt in Collections 76
Medical Debt 73
Student Loan Delinquency 73
Auto Loan Delinquency 81
Credit Card Delinquency 94
Bankruptcy Filing Rate 89
Employment & Wages 57.9
Unemployment Rate 74
Wage-to-Rent Ratio 99
Business Formation Rate 1
Community Vulnerability 48.2
Uninsured Rate 70
Disability Rate 26
Income & Poverty 27.3
Poverty Rate 28
Income vs. State Median 23
Child Poverty Rate 31

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Osceola County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Osceola County
Osceola County, FL 61.8 Elevated —
Highlands County, FL 73.5 Serious +11.8
Okeechobee County, FL 70.7 Serious +8.9
Polk County, FL 66.5 Serious +4.7
Orange County, FL 59.5 Elevated -2.2
Lake County, FL 58.1 Elevated -3.7
Indian River County, FL 56.2 Elevated -5.6
Brevard County, FL 54.8 Elevated -7.0

Population Peers

County Score Zone vs. Osceola County
Richland County, SC 61.5 Elevated -0.3
Horry County, SC 61.4 Elevated -0.3
McLennan County, TX 62.1 Elevated +0.4
Genesee County, MI 61.2 Elevated -0.6
St. Louis city, MO 61.2 Elevated -0.6

Download Data

Export all distress indicators for Osceola County as a CSV file.

Find Help in Osceola County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Osceola County.

COMMUNITY LEGAL SERVICES OF MID-FLORIDA, INC. - KISSIMMEE OFFICE
Kissimmee
386-255-6573 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
UNIVERSITY OF FLORIDA/FLORIDA COOPERATIVE EXTENSION - OSCEOLA COUNTY COOPERATIVE EXTENSION SERVICE
Kissimmee
321-697-3000 Website
Foreclosure PreventionFinancial CounselingHome Improvement/RehabPost-Purchase

See all counselors in Florida →

Find an Attorney

The Florida Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

The Florida Bar — Lawyer Referral Service 1-800-342-8011

Free Legal Aid

Legal aid organizations serving Osceola County residents at no cost.

Florida Rural Legal Services (FRLS) 1-239-334-4554
Legal Services of Greater Miami (LSGMI) 1-305-576-0080
Coast to Coast Legal Aid of South Florida 1-954-736-2400
Community Legal Services of Mid-Florida (CLSMF) 1-800-405-1417
Bay Area Legal Services 1-800-625-2257
Legal Services of North Florida 1-850-385-9007
Three Rivers Legal Services 1-866-256-8091

Self-Help Resources

The Florida Bar — Foreclosure Crisis Help for Consumers Official Florida Bar resource page for homeowners facing foreclosure, including information on finding an attorney, legal aid referrals, and understanding the foreclosure process.
Florida Courts — Residential Mortgage Foreclosure Cases Florida Supreme Court page with information on residential mortgage foreclosure cases, including links to administrative orders, mediation resources, and the Managed Mediation program.
Florida AG — Resources Available to Distressed Homeowners Florida Attorney General's office page with resources for distressed homeowners, including information on mortgage fraud, foreclosure rescue scams, and how to file complaints.
Florida LawHelp Statewide legal aid directory connecting Floridians with free legal information and local legal aid providers for foreclosure prevention and other civil legal needs.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Florida →

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Frequently Asked Questions

  • What is the distress score for Osceola County, Florida?

    Osceola County has a County Distress Index score of 61.8 out of 100, placing it in the Elevated zone. It ranks 701st nationally out of 3,144 counties and 35th in Florida out of 67 counties.

  • What drives financial distress in Osceola County?

    The primary driver of distress in Osceola County is Housing Cost Burden, where the county scores 94.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Osceola County compare to neighboring counties?

    Osceola County (61.8) can be compared to its 7 neighboring counties: Highlands County, FL (73.5); Okeechobee County, FL (70.7); Polk County, FL (66.5).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Osceola County?

    Osceola County, Florida has a population of approximately 437,784 (2023 Census estimate), classified as a large county.