Osceola County, Michigan

County Distress Index: Elevated · 59.9 | 23,330 people · 13th most distressed in Michigan
American Default Research

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Osceola County, MI registers elevated household financial distress with a score of 59.9 — 839th nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Michigan, it ranks 13th of 83 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Osceola County's primary driver is Income & Poverty at 70.1 — above the national median.

Income & Poverty Primary driver 70.1
Poverty Rate 72
Income vs. State Median 70
Child Poverty Rate 68
Community Vulnerability 67.6
Uninsured Rate 58
Disability Rate 77
Debt & Delinquency 59.9
Debt in Collections 59
Medical Debt 39
Student Loan Delinquency 78
Auto Loan Delinquency 77
Credit Card Delinquency 67
Bankruptcy Filing Rate 40
Employment & Wages 58.3
Unemployment Rate 91
Wage-to-Rent Ratio 14
Business Formation Rate 70
Housing Cost Burden 43.5
Rent-Burdened (30%+) 40
Severely Rent-Burdened (50%+) 66
Mortgage-Burdened (30%+) 54
Homeownership Rate 6
Rent-to-Income Ratio 52

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, MI 59.9 Elevated —
Clare County, MI 69.7 Serious +9.9
Lake County, MI 69.2 Serious +9.4
Isabella County, MI 61.5 Elevated +1.6
Mecosta County, MI 60.9 Elevated +1.1
Wexford County, MI 53.4 Elevated -6.4
Newaygo County, MI 50.3 Elevated -9.5
Missaukee County, MI 48.8 Normal -11.1

Population Peers

County Score Zone vs. Osceola County
Randolph County, AR 59.9 Elevated -0.0
DeKalb County, TN 59.9 Elevated +0.0
Rowan County, KY 59.9 Elevated +0.0
Okanogan County, WA 59.8 Elevated -0.0
Grayson County, VA 59.9 Elevated +0.1

Download Data

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

Find Help in Osceola County

Find an Attorney

State Bar of Michigan Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Michigan Lawyer Referral Service 1-800-968-0738

Free Legal Aid

Legal aid organizations serving Osceola County residents at no cost.

Legal Aid & Defender Association of Detroit 313-967-5555
Michigan Legal Help / Wolverine Legal Aid
Neighborhood Legal Services of Michigan 248-548-3838
Michigan Advocacy Program 616-774-0672
Legal Services of South Central Michigan 734-665-6181
Lakeshore Legal Aid (888) 783-8190
Legal Aid of Western Michigan (616) 774-0672
Legal Services of Eastern Michigan (800) 322-4512
Legal Services of Northern Michigan, Inc. (906) 786-2303

Self-Help Resources

Michigan Legal Help — Foreclosure Self-help guides and interactive tools for Michigan foreclosure process and defenses
MSHDA Homeowner Resources Assistance programs, counselor referrals, and MIHAF information

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 Michigan →

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Frequently Asked Questions

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

    Osceola County has a County Distress Index score of 59.9 out of 100, placing it in the Elevated zone. It ranks 839th nationally out of 3,144 counties and 13th in Michigan out of 83 counties.

  • What drives financial distress in Osceola County?

    The primary driver of distress in Osceola County is Income & Poverty, where the county scores 70.1 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Osceola County compare to neighboring counties?

    Osceola County (59.9) can be compared to its 7 neighboring counties: Clare County, MI (69.7); Lake County, MI (69.2); Isabella County, MI (61.5).

  • 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, Michigan has a population of approximately 23,330 (2023 Census estimate), classified as a small county.