Stephens County, Oklahoma

County Distress Index: Elevated · 57.5 | 44,014 people · 47th most distressed in Oklahoma
American Default Research

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

Stephens County, OK registers elevated household financial distress with a score of 57.5 — 1045th 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 47th of 77 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Stephens County's primary driver is Community Vulnerability at 84.1 — worse than roughly 84% of U.S. counties.

Community Vulnerability Primary driver 84.1
Uninsured Rate 83
Disability Rate 85
Debt & Delinquency 69.3
Debt in Collections 79
Medical Debt 91
Student Loan Delinquency 73
Auto Loan Delinquency 59
Credit Card Delinquency 51
Bankruptcy Filing Rate 62
Income & Poverty 56.3
Poverty Rate 61
Income vs. State Median 47
Child Poverty Rate 61
Housing Cost Burden 39.5
Rent-Burdened (30%+) 43
Severely Rent-Burdened (50%+) 52
Mortgage-Burdened (30%+) 16
Homeownership Rate 50
Rent-to-Income Ratio 38
Employment & Wages 38.1
Unemployment Rate 61
Wage-to-Rent Ratio 15
Business Formation Rate 38

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Stephens County
Stephens County, OK 57.5 Elevated —
Comanche County, OK 70.7 Serious +13.3
Jefferson County, OK 70.7 Serious +13.3
Carter County, OK 66.7 Serious +9.3
Cotton County, OK 64.4 Elevated +6.9
Garvin County, OK 58.1 Elevated +0.6
Grady County, OK 50.8 Elevated -6.6

Population Peers

County Score Zone vs. Stephens County
Coos County, NH 57.5 Elevated 0.0
Iosco County, MI 57.4 Elevated -0.0
Hopkins County, TX 57.4 Elevated -0.0
Roane County, WV 57.5 Elevated +0.0
Clarke County, AL 57.4 Elevated -0.0

Download Data

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

Find Help in Stephens 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 Stephens 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 Stephens County, Oklahoma?

    Stephens County has a County Distress Index score of 57.5 out of 100, placing it in the Elevated zone. It ranks 1,045th nationally out of 3,144 counties and 47th in Oklahoma out of 77 counties.

  • What drives financial distress in Stephens County?

    The primary driver of distress in Stephens County is Community Vulnerability, where the county scores 84.1 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Stephens County compare to neighboring counties?

    Stephens County (57.5) can be compared to its 6 neighboring counties: Comanche County, OK (70.7); Jefferson County, OK (70.7); Carter County, OK (66.7).

  • 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 Stephens County?

    Stephens County, Oklahoma has a population of approximately 44,014 (2023 Census estimate), classified as a small county.