#660 Oklahoma · 2026

Oklahoma County, Oklahoma

Second-most distressed fifth 660th of 3,144 counties nationally · 808,866 residents How this is calculated →
The headline number
33% Oklahoma residents
vs.
23% U.S. median

Above the national median of residents with debt in collections — and 17.2× the rate of the healthiest U.S. county (Logan County, ND — 2%).

Urban Institute (2024)

Main Findings

Wire lede · 36 words · paste-ready

Oklahoma County, Oklahoma ranks 660th most distressed in the United States on the County Distress Index. The driver: 33% of residents with a credit file carry debt in collections — above the national median of 23%.

Key Findings
  • 660th of 3,144 counties on the County Distress Index — Second-most distressed fifth, 30th in Oklahoma.
  • 33% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 82nd percentile nationally.
  • Severe rent burden (50%+) at 24% — national median 18%, ranked at the 83rd percentile.
  • Subprime credit share at 29% — national median 23%, ranked at the 72nd percentile.
  • Uninsured rate at 14% — national median 8%, ranked at the 85th percentile.
Distinctive Signals
Boundary Signal

Neighbors span three CDI distress fifths. The 26-point drop to Canadian County marks where the Oklahoma City metro distress corridor ends.

County Distress Index cluster map. Oklahoma County, Oklahoma and its neighbors colored by distress fifth.
Oklahoma and its 5 geographic neighbors, graded by County Distress Index score. Oklahoma County ranks 660th of 3,144. American Default Research
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"Oklahoma County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."

— Ross Kilburn, Founder, American Default Research
Analyst quote — for feature use 30 words

"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."

— Ross Kilburn, Founder, American Default Research

Reporter's Notes

Two data points in the indicator table worth a follow-up call.

Data anomaly
Transfer-income dependency sits well below the rest of the safety_net_buffer domain — the one indicator that doesn't fit

Oklahoma County's transfer-income dependency indicator is at the 10th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 35th percentile. The gap stands out against the other credit indicators. Worth a call to Urban Institute or a local credit counselor in Oklahoma City.

The Indicators Behind Oklahoma County's CDI Score

Every number traces to a public source. Oklahoma County's value shown alongside OK's median and the U.S. median. Full CSV available for download.

How to read the table. A domain score is a 0–100 composite of the indicators in that domain, where 50 = U.S. county median and higher = more distressed. Percentile is Oklahoma County's national rank among all 3,144 U.S. counties for that indicator, always oriented so higher = more distressed.
Indicator Oklahoma OK median U.S. median Pctile Source
Delinquency — domain score 69 · Rank 918 of 3,144
Auto loan delinquency Share of auto loan accounts 60+ days past due 6% 7% 5% 66th Urban Institute (2024)
Credit card delinquency Share of credit card accounts 60+ days past due 7% 6% 5% 68th Urban Institute (2024)
Subprime credit share Share of residents with a credit score below 660 29% 30% 23% 72nd Urban Institute (2024)
Default & Legal — domain score 80 · Rank 423 of 3,144
Debt in collections Share of residents with a credit file who have debt in collections 33% 31% 23% 82nd Urban Institute (2024)
Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents 214 147 126 78th US Courts F-5A (2025)
Debt Burden (housing basis) — domain score 73 · Rank 616 of 3,144
Rent-to-income ratio Fair Market Rent (2BR) as share of median household income 23% 21% 21% 64th HUD FMR × Census ACS (2024)
Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent 24% 16% 18% 83rd Census ACS 5-yr (2023)
Labor — domain score 55 · Rank 1,439 of 3,144
Unemployment Share of labor force unemployed 4% 4% 4% 55th BLS LAUS (Dec 2025)
Safety Net & Buffer — domain score 55 · Rank 1,360 of 3,144
Child poverty rate Share of children under 18 below the federal poverty line 22% 23% 18% 70th Census SAIPE (2023)
Disability rate Share of residents reporting a disability 14% 20% 16% 35th Census ACS 5-yr (2023)
Poverty rate Share of population below the federal poverty line 16% 17% 14% 68th Census SAIPE (2023)
Transfer-income dependency Share of personal income from government transfers 16% 30% 27% 10th BEA Regional Personal Income (2023)
Uninsured rate Share of residents without health insurance coverage 14% 14% 8% 85th Census ACS 5-yr (2023)
Data compiled April 2026 from Urban Institute Debt in America (Equifax 2024 panel), U.S. Census Bureau (ACS 5-yr 2023, SAIPE 2023, Business Formation Statistics 2024), Bureau of Labor Statistics (LAUS Dec 2025, QCEW 2024), U.S. Courts Administrative Office (F-5A bankruptcy filings 2025), and HUD Fair Market Rents (FY2024).

Five-Domain Breakdown

The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.

Default & Legal Primary driver 80
Weight 20% · Rank 423 of 3,144
Debt Burden (housing basis) 73
Weight 20% · Rank 616 of 3,144
Delinquency 69
Weight 20% · Rank 918 of 3,144
Safety Net & Buffer 55
Weight 20% · Rank 1,360 of 3,144
Labor 55
Weight 20% · Rank 1,439 of 3,144

Methodology

The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.

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 Oklahoma County data — in under 60 seconds.

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Press contact: Ross Kilburn · press@americandefault.org · (307) 264-2992 · same-day response, 9am–6pm ET
Draft wire copy 157-word AP-style article — use freely with attribution
DRAFT · 157 words · for immediate release · cleared for reuse with attribution to American Default Research

OKLAHOMA CITY, Okla. — Oklahoma County ranks 660th 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 66 out of 100 places Oklahoma in the second-most distressed fifth. Among 3,144 U.S. counties scored, 659 counties rank more distressed. Within Oklahoma, Oklahoma ranks 30th of 77 counties.

The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Oklahoma. 33% of residents with a credit file carry debt in collections — above the national median of 23%.

"Oklahoma County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," said Ross Kilburn, founder of American Default Research.

Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.

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Frequently Asked Questions

What is Oklahoma County's CDI score, and what does it mean?

Oklahoma County scores 66 out of 100 on the County Distress Index, placing it in the second-most distressed fifth. It ranks 660th of 3,144 U.S. counties and 30th of 77 Oklahoma counties. Higher county scores indicate more distress.

What drives Oklahoma County's distress score?

The highest-scoring domain is Default & Legal, at a domain score of 80. Debt in collections ranks at the 82nd percentile nationally.

How does Oklahoma County compare to its neighbors?

Oklahoma County's neighbors span three CDI distress fifths. Highest-distress neighbor: Pottawatomie County (71.76, Most distressed fifth). Lowest: Canadian County (46.09, Middle fifth).

How is the County Distress Index calculated?

The CDI is a 0–100 composite of 16 source indicators across five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Data comes from Urban Institute, Census Bureau, BLS, U.S. Courts, HUD, and related public sources. Full methodology →
Ross Kilburn
Written by

Ross Kilburn, Founder

Founder · American Default Research · Seattle, Washington

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Founded American Default Research in 2026.

Read more
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