Garvin County, Oklahoma

County Distress Index: Elevated · 58.1 | 25,865 people · 45th most distressed in Oklahoma
American Default Research

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

Garvin County, OK registers elevated household financial distress with a score of 58.1 — 987th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Oklahoma, it ranks 45th of 77 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Garvin County's primary driver is Debt & Delinquency at 78.3 — worse than roughly 78% of U.S. counties.

Debt & Delinquency Primary driver 78.3
Debt in Collections 83
Medical Debt 89
Student Loan Delinquency 90
Auto Loan Delinquency 48
Credit Card Delinquency 82
Bankruptcy Filing Rate 77
Community Vulnerability 70.5
Uninsured Rate 90
Disability Rate 51
Income & Poverty 64.5
Poverty Rate 78
Income vs. State Median 45
Child Poverty Rate 70
Housing Cost Burden 40.5
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 37
Mortgage-Burdened (30%+) 24
Homeownership Rate 77
Rent-to-Income Ratio 36
Employment & Wages 36.5
Unemployment Rate 69
Wage-to-Rent Ratio 8
Business Formation Rate 32

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Garvin County
Garvin County, OK 58.1 Elevated —
Carter County, OK 66.7 Serious +8.7
Stephens County, OK 57.5 Elevated -0.6
Murray County, OK 54.1 Elevated -4.0
Grady County, OK 50.8 Elevated -7.2
Pontotoc County, OK 46.8 Normal -11.3
McClain County, OK 44.4 Normal -13.7

Population Peers

County Score Zone vs. Garvin County
Henderson County, TN 58.1 Elevated +0.0
Gogebic County, MI 58.1 Elevated +0.0
Caswell County, NC 58.1 Elevated +0.0
Union County, OR 58.1 Elevated +0.0
Choctaw County, AL 58.1 Elevated +0.1

Download Data

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

Find Help in Garvin 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 Garvin 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 Garvin County, Oklahoma?

    Garvin County has a County Distress Index score of 58.1 out of 100, placing it in the Elevated zone. It ranks 987th nationally out of 3,144 counties and 45th in Oklahoma out of 77 counties.

  • What drives financial distress in Garvin County?

    The primary driver of distress in Garvin County is Debt & Delinquency, where the county scores 78.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Garvin County compare to neighboring counties?

    Garvin County (58.1) can be compared to its 6 neighboring counties: Carter County, OK (66.7); Stephens County, OK (57.5); Murray County, OK (54.1).

  • 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 Garvin County?

    Garvin County, Oklahoma has a population of approximately 25,865 (2023 Census estimate), classified as a small county.