Tulsa County, Oklahoma

County Distress Index: Elevated · 54.9 | 682,868 people · 55th most distressed in Oklahoma
American Default Research

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Tulsa County, OK registers elevated household financial distress with a score of 54.9 — 1217th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Oklahoma, it ranks 55th of 77 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Tulsa County's primary driver is Housing Cost Burden at 70.6 — above the national median.

Housing Cost Burden Primary driver 70.6
Rent-Burdened (30%+) 69
Severely Rent-Burdened (50%+) 65
Mortgage-Burdened (30%+) 66
Homeownership Rate 93
Rent-to-Income Ratio 61
Debt & Delinquency 67.7
Debt in Collections 70
Medical Debt 62
Student Loan Delinquency 74
Auto Loan Delinquency 70
Credit Card Delinquency 63
Bankruptcy Filing Rate 68
Community Vulnerability 56.8
Uninsured Rate 84
Disability Rate 29
Income & Poverty 47.5
Poverty Rate 62
Income vs. State Median 20
Child Poverty Rate 60
Employment & Wages 31.9
Unemployment Rate 49
Wage-to-Rent Ratio 31
Business Formation Rate 16

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

Neighbors and Peers

How Tulsa County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Tulsa County
Tulsa County, OK 54.9 Elevated —
Okmulgee County, OK 71.9 Serious +17.0
Pawnee County, OK 61.9 Elevated +7.0
Osage County, OK 60.5 Elevated +5.6
Creek County, OK 55.1 Elevated +0.2
Washington County, OK 53.2 Elevated -1.7
Wagoner County, OK 45.2 Normal -9.7
Rogers County, OK 44.0 Normal -10.9

Population Peers

County Score Zone vs. Tulsa County
Brevard County, FL 54.8 Elevated -0.1
St. Clair County, IL 54.6 Elevated -0.3
Pulaski County, AR 55.2 Elevated +0.3
Jefferson County, AL 54.5 Elevated -0.3
Lake County, IN 54.4 Elevated -0.5

Download Data

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

Find Help in Tulsa County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Tulsa County.

QUICKCERT, INC.
Tulsa
888-383-8885 Website
Pre-PurchaseRental HelpReverse Mortgage
TULSA HABITAT FOR HUMANITY
Tulsa
918-592-4224x107 Website
Financial CounselingPost-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 Tulsa 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 Tulsa County, Oklahoma?

    Tulsa County has a County Distress Index score of 54.9 out of 100, placing it in the Elevated zone. It ranks 1,217th nationally out of 3,144 counties and 55th in Oklahoma out of 77 counties.

  • What drives financial distress in Tulsa County?

    The primary driver of distress in Tulsa County is Housing Cost Burden, where the county scores 70.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Tulsa County compare to neighboring counties?

    Tulsa County (54.9) can be compared to its 7 neighboring counties: Okmulgee County, OK (71.9); Pawnee County, OK (61.9); Osage County, OK (60.5).

  • 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 Tulsa County?

    Tulsa County, Oklahoma has a population of approximately 682,868 (2023 Census estimate), classified as a large county.