Osceola County, Florida
Above the national median for severe rent burden (50%+).
Main Findings
Osceola County, Florida ranks 148th most distressed in the United States on the County Distress Index. The driver: 33% of renter households pay 50%+ of income on rent — above the national median of 18%.
- 148th of 3,144 counties on the County Distress Index — Most distressed fifth, 8th in Florida.
- 33% of renter households pay 50%+ of income on rent (U.S. median 18%). Severe rent burden (50%+) at the 99th percentile nationally.
- Credit card delinquency at 10% — national median 5%, ranked at the 94th percentile.
- Unemployment at 5% — national median 4%, ranked at the 82nd percentile.
- Bankruptcy filing rate at 277 — national median 126, ranked at the 89th percentile.
Unemployment is 5%, near the national median of 4%, while credit card delinquency runs at the 94th percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI distress fifths. The 21-point drop to Indian River County marks where the Florida distress corridor ends.
"Osceola County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
The Indicators Behind Osceola County's CDI Score
Every number traces to a public source. Osceola County's value shown alongside FL's median and the U.S. median. Full CSV available for download.
| Indicator | Osceola | FL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 89 · Rank 251 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 6% | 5% | 81st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 10% | 7% | 5% | 94th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 38% | 29% | 23% | 93rd | Urban Institute (2024) |
| Default & Legal — domain score 82 · Rank 349 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 31% | 28% | 23% | 76th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 277 | 138 | 126 | 89th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 98 · Rank 12 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 31% | 27% | 21% | 97th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 33% | 25% | 18% | 99th | Census ACS 5-yr (2023) |
| Labor — domain score 82 · Rank 537 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 5% | 4% | 82nd | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 47 · Rank 1,675 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 14% | 19% | 18% | 31st | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 13% | 17% | 16% | 26th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 11% | 14% | 14% | 28th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 24% | 27% | 27% | 35th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 12% | 8% | 70th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Osceola County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
KISSIMMEE, Fla. — Osceola County ranks 148th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 80 out of 100 places Osceola in the most distressed fifth. Among 3,144 U.S. counties scored, 147 counties rank more distressed. Within Florida, Osceola ranks eighth of 67 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Osceola. 33% of renter households pay 50%+ of income on rent — above the national median of 18%.
"Osceola County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Osceola County's CDI score, and what does it mean?
What drives Osceola County's distress score?
How does Osceola County compare to its neighbors?
How is the County Distress Index calculated?
Osceola County resident looking for help? HUD counselors, legal aid, and attorney referrals →