Coal County, Oklahoma
More than double the national median for uninsured rate.
Main Findings
Coal County, Oklahoma ranks 1,572nd most distressed in the United States on the County Distress Index. The driver: 22% of residents lack health insurance — more than double the national median of 8%.
- 1,572nd of 3,144 counties on the County Distress Index — Elevated zone, 64th in Oklahoma.
- 22% of residents lack health insurance (U.S. median 8%). Uninsured rate at the 95th percentile nationally.
- Disability rate at 24% — national median 16%, ranked at the 95th percentile.
- Rent-to-income ratio at 24% — national median 21%, ranked at the 74th percentile.
- Homeownership rate at 71% — national median 74%, ranked at the 67th percentile.
Unemployment is 5%, near the national median of 4%, while uninsured rate runs at the 95th percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI zones. The 18-point drop to Pontotoc County marks where the Oklahoma distress corridor ends.
"Coal County is where distress lives in the margins. A county where most households are running out of runway, even as the headline numbers stay quiet."
"Elevated-zone counties are the largest block in the index. Most Americans live in counties scoring 55–70 — middle-class households doing the math every month."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Coal County's credit card delinquency indicator is at the 7th percentile — while every other indicator in the Consumer Credit Distress domain sits at or above the 22nd percentile. The gap stands out against uninsured rate. Worth a call to Urban Institute or a local credit counselor in Coalgate.
30% of children under 18 in Coal County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
The Indicators Behind Coal County's CDI Score
Every number traces to a public source. Coal County's value shown alongside OK's median and the U.S. median. Full CSV available for download.
| Indicator | Coal | OK median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Consumer Credit Distress — domain score 51 · Rank 1,547 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 24% | 31% | 23% | 54th | Urban Institute (2024) |
| Medical debt in collections Share of residents with a credit file who have medical debt in collections | 4% | 8% | 4% | 56th | Urban Institute (2024) |
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 7% | 5% | 22nd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 2% | 6% | 5% | 7th | Urban Institute (2024) |
| Uninsured rate Share of residents without health insurance coverage | 22% | 14% | 8% | 95th | Census ACS 5-yr (2023) |
| Subprime credit share Share of residents with a credit score below 660 | 34% | 30% | 23% | 85th | Urban Institute (2024) |
| Housing Cost Burden — domain score 32 · Rank 2,282 of 3,144 | |||||
| Rent burden (30%+) Share of renter households paying 30%+ of income on rent | 29% | 34% | 38% | 20th | Census ACS 5-yr (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 16% | 18% | 30th | Census ACS 5-yr (2023) |
| Owner housing burden Share of owner households paying 30%+ of income on housing | 22% | 22% | 24% | 32nd | Census ACS 5-yr (2023) |
| Homeownership rate Share of occupied housing units that are owner-occupied | 71% | 72% | 74% | 67th | Census ACS 5-yr (2023) |
| Structural Poverty — domain score 87 · Rank 188 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 4% | 4% | 84th | BLS LAUS (Dec 2025) |
| Poverty rate Share of population below the federal poverty line | 21% | 17% | 14% | 89th | Census SAIPE (2023) |
| Household income relative to state Median household income as share of state median | 0.83× | 1.00× | 1.00× | 86th | Census SAIPE (2023) |
| Child poverty rate Share of children under 18 below the federal poverty line | 30% | 23% | 18% | 90th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 24% | 20% | 16% | 95th | Census ACS 5-yr (2023) |
| Transfer-income dependency Share of personal income from government transfers | 34% | 30% | 27% | 79th | BEA Regional Personal Income (2023) |
| Legal Distress — domain score 23 · Rank 2,426 of 3,144 | |||||
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 76 | 147 | 126 | 23rd | US Courts F-5A (2025) |
| Economic Vitality — domain score 58 · Rank 1,072 of 3,144 | |||||
| Wage-to-rent ratio Ratio of average weekly wage to fair-market rent | 4.1× | 4.1× | 4.0× | 45th | BLS QCEW × HUD FMR (2024) |
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 24% | 21% | 21% | 74th | HUD FMR × Census ACS (2024) |
| Business formation rate New business applications per 1,000 residents | 8.7 | 10.1 | 10.0 | 67th | Census Business Formation Statistics (2024) |
| House price change (yoy) House price index year-over-year change | 3% | 3% | 4% | 62nd | FHFA HPI (2024) |
Five-Domain Breakdown
The CDI is a PCA-weighted composite of five statistically derived factors. Weights are proportional to each factor's share of explained variance across 3,144 counties.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. A score of 50 represents the national county median; higher scores indicate greater distress. The index is built from 21 indicators grouped into five statistically derived factors via principal component analysis (PCA); factor weights are proportional to each factor's share of explained variance (shown in the Five-Domain Breakdown above).
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 Coal County data — in under 60 seconds.
Draft wire copy 149-word AP-style article — use freely with attribution
COALGATE, Okla. — Coal County ranks 1,572nd 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 50 out of 100 places Coal in the "Elevated" zone. Among 3,144 U.S. counties scored, 1,571 counties rank more distressed. Within Oklahoma, Coal ranks 64th of 77 counties.
The index, which draws on 21 indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies consumer credit distress as the primary driver in Coal. 22% of residents lack health insurance — more than double the national median of 8%.
"Coal County is where distress lives in the margins. A county where most households are running out of runway, even as the headline numbers stay quiet," 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 Coal County's CDI score, and what does it mean?
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How does Coal County compare to its neighbors?
How is the County Distress Index calculated?
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