Pontotoc County, Oklahoma

County Distress Index: Normal · 46.8 | 38,396 people · 66th most distressed in Oklahoma
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Pontotoc County, OK falls within the normal range for household financial distress at 46.8 — 1843rd 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 66th of 77 counties. Among its 8 neighboring counties, 7 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Pontotoc County's primary driver is Community Vulnerability at 65.3 — above the national median.

Community Vulnerability Primary driver 65.3
Uninsured Rate 93
Disability Rate 38
Debt & Delinquency 57.9
Debt in Collections 71
Medical Debt 50
Student Loan Delinquency 92
Auto Loan Delinquency 44
Credit Card Delinquency 40
Bankruptcy Filing Rate 51
Housing Cost Burden 43.1
Rent-Burdened (30%+) 34
Severely Rent-Burdened (50%+) 40
Mortgage-Burdened (30%+) 27
Homeownership Rate 81
Rent-to-Income Ratio 33
Income & Poverty 40.6
Poverty Rate 53
Income vs. State Median 30
Child Poverty Rate 39
Employment & Wages 27.0
Unemployment Rate 38
Wage-to-Rent Ratio 12
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 Pontotoc County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Pontotoc County
Pontotoc County, OK 46.8 Normal —
Seminole County, OK 76.8 Serious +30.0
Hughes County, OK 69.1 Serious +22.3
Johnston County, OK 67.8 Serious +21.0
Coal County, OK 66.4 Serious +19.6
Pottawatomie County, OK 64.8 Elevated +18.0
Garvin County, OK 58.1 Elevated +11.3
Murray County, OK 54.1 Elevated +7.3
McClain County, OK 44.4 Normal -2.4

Population Peers

County Score Zone vs. Pontotoc County
Larue County, KY 46.8 Normal +0.0
Manassas city, VA 46.7 Normal -0.1
Union County, KY 46.7 Normal -0.1
Bedford County, PA 46.7 Normal -0.1
Clinton County, IA 46.9 Normal +0.1

Download Data

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

Find Help in Pontotoc County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Pontotoc County.

CHICKASAW NATION DIVISION OF HOUSING
Ada
580-421-8817 Website
Foreclosure PreventionPost-PurchasePre-PurchaseHomebuyer Education

See all counselors in Oklahoma →

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 Pontotoc 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 →

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Frequently Asked Questions

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

    Pontotoc County has a County Distress Index score of 46.8 out of 100, placing it in the Normal zone. It ranks 1,843rd nationally out of 3,144 counties and 66th in Oklahoma out of 77 counties.

  • What drives financial distress in Pontotoc County?

    The primary driver of distress in Pontotoc County is Community Vulnerability, where the county scores 65.3 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Pontotoc County compare to neighboring counties?

    Pontotoc County (46.8) can be compared to its 8 neighboring counties: Seminole County, OK (76.8); Hughes County, OK (69.1); Johnston County, OK (67.8).

  • 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 Pontotoc County?

    Pontotoc County, Oklahoma has a population of approximately 38,396 (2023 Census estimate), classified as a small county.