Okanogan County, Washington

County Distress Index: Elevated · 59.8 | 43,712 people · 3rd most distressed in Washington
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Okanogan County, WA registers elevated household financial distress with a score of 59.8 — 844th nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Washington, it ranks 3rd of 39 counties. It scores higher than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Okanogan County's primary driver is Income & Poverty at 77.0 — worse than roughly 77% of U.S. counties.

Income & Poverty Primary driver 77.0
Poverty Rate 71
Income vs. State Median 89
Child Poverty Rate 71
Community Vulnerability 69.9
Uninsured Rate 85
Disability Rate 55
Employment & Wages 68.0
Unemployment Rate 95
Wage-to-Rent Ratio 57
Business Formation Rate 52
Housing Cost Burden 47.6
Rent-Burdened (30%+) 20
Severely Rent-Burdened (50%+) 33
Mortgage-Burdened (30%+) 67
Homeownership Rate 63
Rent-to-Income Ratio 54
Debt & Delinquency 36.6
Debt in Collections 29
Medical Debt 7
Student Loan Delinquency 57
Auto Loan Delinquency 60
Credit Card Delinquency 56
Bankruptcy Filing Rate 11

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Okanogan County
Okanogan County, WA 59.8 Elevated —
Grant County, WA 55.5 Elevated -4.3
Douglas County, WA 54.2 Elevated -5.6
Ferry County, WA 51.5 Elevated -8.3
Chelan County, WA 47.8 Normal -12.0
Whatcom County, WA 47.4 Normal -12.5
Skagit County, WA 44.6 Normal -15.2
Lincoln County, WA 36.8 Normal -23.0

Population Peers

County Score Zone vs. Okanogan County
Randolph County, AR 59.9 Elevated +0.0
Robertson County, TX 59.8 Elevated -0.0
Osceola County, MI 59.9 Elevated +0.0
Henry County, MO 59.8 Elevated -0.1
DeKalb County, TN 59.9 Elevated +0.1

Download Data

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

Find Help in Okanogan County

Find an Attorney

Washington State Bar Association — Find Legal Help offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Washington State Bar Association — Find Legal Help 1-800-945-9722

Free Legal Aid

Legal aid organizations serving Okanogan County residents at no cost.

Northwest Justice Project (NJP) 1-888-201-1014
Columbia Legal Services 1-206-464-1122

Self-Help Resources

Washington Law Help — Foreclosure Free legal information and self-help resources for low-income Washington residents, including foreclosure guides, tenant rights in foreclosure, and links to legal aid.
Washington Courts Self-Help Resources Washington Courts website with forms, instructions, and resources for self-represented litigants including those involved in foreclosure-related proceedings.
DFI Foreclosure Assistance and Information Department of Financial Institutions page with foreclosure prevention resources, consumer alerts about foreclosure rescue scams, and links to assistance programs.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Okanogan County, Washington?

    Okanogan County has a County Distress Index score of 59.8 out of 100, placing it in the Elevated zone. It ranks 844th nationally out of 3,144 counties and 3rd in Washington out of 39 counties.

  • What drives financial distress in Okanogan County?

    The primary driver of distress in Okanogan County is Income & Poverty, where the county scores 77.0 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Okanogan County compare to neighboring counties?

    Okanogan County (59.8) can be compared to its 7 neighboring counties: Grant County, WA (55.5); Douglas County, WA (54.2); Ferry County, WA (51.5).

  • 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 Okanogan County?

    Okanogan County, Washington has a population of approximately 43,712 (2023 Census estimate), classified as a small county.