Harper County, Oklahoma

County Distress Index: Normal · 41.9 | 3,190 people · 75th most distressed in Oklahoma
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Harper County, OK falls within the normal range for household financial distress at 41.9 — 2218th 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 75th of 77 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Harper County's primary driver is Community Vulnerability at 72.0 — above the national median.

Community Vulnerability Primary driver 72.0
Uninsured Rate 85
Disability Rate 59
Debt & Delinquency 55.6
Debt in Collections 47
Medical Debt 74
Student Loan Delinquency 77
Auto Loan Delinquency 68
Credit Card Delinquency 9
Bankruptcy Filing Rate 59
Income & Poverty 36.8
Poverty Rate 41
Income vs. State Median 25
Child Poverty Rate 44
Employment & Wages 25.6
Unemployment Rate 6
Wage-to-Rent Ratio 36
Business Formation Rate 35
Housing Cost Burden 19.5
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 52
Homeownership Rate 18
Rent-to-Income Ratio 18

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Harper County
Harper County, OK 41.9 Normal —
Ellis County, OK 57.6 Elevated +15.7
Woods County, OK 53.6 Elevated +11.7
Woodward County, OK 51.5 Elevated +9.6
Comanche County, KS 51.3 Elevated +9.4
Beaver County, OK 41.6 Normal -0.3
Clark County, KS 33.2 Healthy -8.7

Population Peers

County Score Zone vs. Harper County
DeKalb County, MO 41.9 Normal 0.0
McPherson County, NE 42.0 Normal +0.1
Washington County, CO 42.0 Normal +0.1
Osborne County, KS 42.0 Normal +0.1
Dolores County, CO 42.1 Normal +0.2

Download Data

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

Find Help in Harper 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 Harper 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 Harper County, Oklahoma?

    Harper County has a County Distress Index score of 41.9 out of 100, placing it in the Normal zone. It ranks 2,218th nationally out of 3,144 counties and 75th in Oklahoma out of 77 counties.

  • What drives financial distress in Harper County?

    The primary driver of distress in Harper County is Community Vulnerability, where the county scores 72.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Harper County compare to neighboring counties?

    Harper County (41.9) can be compared to its 6 neighboring counties: Ellis County, OK (57.6); Woods County, OK (53.6); Woodward County, OK (51.5).

  • 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 Harper County?

    Harper County, Oklahoma has a population of approximately 3,190 (2023 Census estimate), classified as a tiny county.