Texas County, Oklahoma
Above the national median for subprime credit share.
Main Findings
Texas County, Oklahoma ranks 2,431st most distressed in the United States on the County Distress Index. Texas sits near the national median across major distress indicators.
- 2,431st of 3,144 counties on the County Distress Index — Second-least distressed fifth, 73rd in Oklahoma.
- 28% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 70th percentile nationally.
- Severe rent burden (50%+) at 19% — national median 18%, ranked at the 56th percentile.
- Uninsured rate at 15% — national median 8%, ranked at the 87th percentile.
- Default & Legal domain score 26 — weight 20.0% of the CDI composite.
Neighbors span three CDI distress fifths. The 17-point drop to Beaver County marks where the Oklahoma distress corridor ends.
"Texas County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context."
"The CDI places this county in the second-least distressed fifth nationally. The rank still belongs in context with state position and the highest-scoring local domain."
The Indicators Behind Texas County's CDI Score
Every number traces to a public source. Texas County's value shown alongside OK's median and the U.S. median. Full CSV available for download.
| Indicator | Texas | OK median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 50 · Rank 1,549 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 7% | 5% | 37th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 6% | 5% | 44th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 30% | 23% | 70th | Urban Institute (2024) |
| Default & Legal — domain score 26 · Rank 2,561 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 22% | 31% | 23% | 48th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 34 | 147 | 126 | 4th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 46 · Rank 1,718 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 21% | 21% | 36th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 19% | 16% | 18% | 56th | Census ACS 5-yr (2023) |
| Labor — domain score 15 · Rank 2,698 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 4% | 4% | 15th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 36 · Rank 2,129 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 15% | 23% | 18% | 36th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 20% | 16% | 14th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 12% | 17% | 14% | 33rd | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 12% | 30% | 27% | 3rd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 15% | 14% | 8% | 87th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
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 Texas County data — in under 60 seconds.
Draft wire copy 141-word AP-style article — use freely with attribution
GUYMON, Okla. — Texas County ranks 2,431st 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 35 out of 100 places Texas in the second-least distressed fifth. Among 3,144 U.S. counties scored, 2,430 counties rank more distressed. Within Oklahoma, Texas ranks 73rd 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, finds Texas sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"Texas County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Texas County's CDI score, and what does it mean?
What drives Texas County's distress score?
How does Texas County compare to its neighbors?
How is the County Distress Index calculated?
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