Coal County, Oklahoma

County Distress Index: Serious · 66.4 | 5,266 people · 29th most distressed in Oklahoma
American Default Research

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Coal County, OK shows significant household financial distress with a score of 66.4 — 413th 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 29th of 77 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Coal County's primary driver is Community Vulnerability at 95.0 — worse than roughly 95% of U.S. counties.

Community Vulnerability Primary driver 95.0
Uninsured Rate 95
Disability Rate 95
Income & Poverty 88.7
Poverty Rate 89
Income vs. State Median 86
Child Poverty Rate 90
Employment & Wages 64.1
Unemployment Rate 80
Wage-to-Rent Ratio 45
Business Formation Rate 67
Housing Cost Burden 44.6
Rent-Burdened (30%+) 20
Severely Rent-Burdened (50%+) 30
Mortgage-Burdened (30%+) 32
Homeownership Rate 67
Rent-to-Income Ratio 74
Debt & Delinquency 39.7
Debt in Collections 54
Medical Debt 56
Student Loan Delinquency 77
Auto Loan Delinquency 22
Credit Card Delinquency 7
Bankruptcy Filing Rate 23

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

Neighbors and Peers

How Coal County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Coal County
Coal County, OK 66.4 Serious —
Atoka County, OK 70.6 Serious +4.2
Pittsburg County, OK 69.7 Serious +3.3
Hughes County, OK 69.1 Serious +2.7
Johnston County, OK 67.8 Serious +1.4
Pontotoc County, OK 46.8 Normal -19.6

Population Peers

County Score Zone vs. Coal County
Lafayette County, AR 66.3 Serious -0.1
Greer County, OK 66.3 Serious -0.1
Lafayette County, FL 66.2 Serious -0.2
Baylor County, TX 66.1 Serious -0.3
Dallas County, AR 66.0 Serious -0.4

Download Data

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

Find Help in Coal County

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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 Coal County residents at no cost.

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

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Frequently Asked Questions

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

    Coal County has a County Distress Index score of 66.4 out of 100, placing it in the Serious zone. It ranks 413th nationally out of 3,144 counties and 29th in Oklahoma out of 77 counties.

  • What drives financial distress in Coal County?

    The primary driver of distress in Coal County is Community Vulnerability, where the county scores 95.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Coal County compare to neighboring counties?

    Coal County (66.4) can be compared to its 5 neighboring counties: Atoka County, OK (70.6); Pittsburg County, OK (69.7); Hughes County, OK (69.1).

  • 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 Coal County?

    Coal County, Oklahoma has a population of approximately 5,266 (2023 Census estimate), classified as a tiny county.