Oscoda County, Michigan

County Distress Index: Serious · 70.5 | 8,545 people · 1st most distressed in Michigan
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Oscoda County, MI shows significant household financial distress with a score of 70.5 — 188th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Michigan, it ranks 1st of 83 counties. It scores higher than all 8 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Oscoda County's primary driver is Community Vulnerability at 86.3 — worse than roughly 86% of U.S. counties.

Community Vulnerability Primary driver 86.3
Uninsured Rate 82
Disability Rate 90
Income & Poverty 85.1
Poverty Rate 81
Income vs. State Median 88
Child Poverty Rate 86
Employment & Wages 78.5
Unemployment Rate 95
Wage-to-Rent Ratio 76
Business Formation Rate 65
Debt & Delinquency 62.8
Debt in Collections 61
Medical Debt 57
Student Loan Delinquency 46
Auto Loan Delinquency 55
Credit Card Delinquency 84
Bankruptcy Filing Rate 75
Housing Cost Burden 39.6
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 16
Mortgage-Burdened (30%+) 77
Homeownership Rate 5
Rent-to-Income Ratio 71

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

Neighbors and Peers

How Oscoda County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Oscoda County
Oscoda County, MI 70.5 Serious —
Montmorency County, MI 67.5 Serious -3.0
Ogemaw County, MI 63.7 Elevated -6.7
Roscommon County, MI 61.7 Elevated -8.7
Iosco County, MI 57.4 Elevated -13.0
Crawford County, MI 56.0 Elevated -14.4
Alcona County, MI 53.0 Elevated -17.5
Alpena County, MI 51.5 Elevated -19.0
Otsego County, MI 46.5 Normal -24.0

Population Peers

County Score Zone vs. Oscoda County
Montgomery County, AR 70.5 Serious +0.0
Swisher County, TX 70.4 Serious -0.0
Catahoula Parish, LA 70.4 Serious -0.1
Real County, TX 70.6 Serious +0.1
Hickory County, MO 70.6 Serious +0.1

Download Data

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

Find Help in Oscoda 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 Oscoda 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 Oscoda County, Michigan?

    Oscoda County has a County Distress Index score of 70.5 out of 100, placing it in the Serious zone. It ranks 188th nationally out of 3,144 counties and 1st in Michigan out of 83 counties.

  • What drives financial distress in Oscoda County?

    The primary driver of distress in Oscoda County is Community Vulnerability, where the county scores 86.3 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Oscoda County compare to neighboring counties?

    Oscoda County (70.5) can be compared to its 8 neighboring counties: Montmorency County, MI (67.5); Ogemaw County, MI (63.7); Roscommon County, MI (61.7).

  • 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 Oscoda County?

    Oscoda County, Michigan has a population of approximately 8,545 (2023 Census estimate), classified as a tiny county.