Atoka County, Oklahoma

County Distress Index: Serious · 70.6 | 14,525 people · 17th most distressed in Oklahoma
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Atoka County, OK shows significant household financial distress with a score of 70.6 — 184th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Oklahoma, it ranks 17th of 77 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Atoka County's primary driver is Community Vulnerability at 93.3 — worse than roughly 93% of U.S. counties.

Community Vulnerability Primary driver 93.3
Uninsured Rate 95
Disability Rate 92
Income & Poverty 80.0
Poverty Rate 86
Income vs. State Median 77
Child Poverty Rate 77
Debt & Delinquency 80.0
Debt in Collections 91
Medical Debt 95
Student Loan Delinquency 95
Auto Loan Delinquency 79
Credit Card Delinquency 89
Bankruptcy Filing Rate 31
Employment & Wages 56.2
Unemployment Rate 64
Wage-to-Rent Ratio 71
Business Formation Rate 34
Housing Cost Burden 43.5
Rent-Burdened (30%+) 41
Severely Rent-Burdened (50%+) 29
Mortgage-Burdened (30%+) 42
Homeownership Rate 43
Rent-to-Income Ratio 63

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

Neighbors and Peers

How Atoka County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Atoka County
Atoka County, OK 70.6 Serious —
Choctaw County, OK 74.6 Serious +4.0
Pushmataha County, OK 72.4 Serious +1.8
Pittsburg County, OK 69.7 Serious -0.9
Bryan County, OK 69.2 Serious -1.4
Johnston County, OK 67.8 Serious -2.8
Coal County, OK 66.4 Serious -4.2

Population Peers

County Score Zone vs. Atoka County
Okeechobee County, FL 70.7 Serious +0.1
Decatur County, GA 70.7 Serious +0.1
Washington County, GA 70.5 Serious -0.2
Martin County, NC 70.8 Serious +0.2
Desha County, AR 70.8 Serious +0.2

Download Data

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

Find Help in Atoka County

Find an Attorney

Oklahoma Bar Association Lawyer Referral offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Oklahoma Bar Association Lawyer Referral 405-416-7000

Free Legal Aid

Legal aid organizations serving Atoka County residents at no cost.

Legal Aid Services of Oklahoma 1-888-534-5243

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 Oklahoma →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Atoka County, Oklahoma?

    Atoka County has a County Distress Index score of 70.6 out of 100, placing it in the Serious zone. It ranks 184th nationally out of 3,144 counties and 17th in Oklahoma out of 77 counties.

  • What drives financial distress in Atoka County?

    The primary driver of distress in Atoka County is Community Vulnerability, where the county scores 93.3 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Atoka County compare to neighboring counties?

    Atoka County (70.6) can be compared to its 6 neighboring counties: Choctaw County, OK (74.6); Pushmataha County, OK (72.4); Pittsburg County, OK (69.7).

  • 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 Atoka County?

    Atoka County, Oklahoma has a population of approximately 14,525 (2023 Census estimate), classified as a small county.