Beaver County, Oklahoma

County Distress Index: Healthy · 28.9 | 5,018 people · 77th most distressed in Oklahoma
American Default Research

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Beaver County, OK ranks among the least distressed counties in the country at 28.9 — 2808th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency rates remain below the national norm. Within Oklahoma, it ranks 77th of 77 counties. Among its 8 neighboring counties, 7 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Beaver County's primary driver is Consumer Credit Distress at 36.3 — above the national median.

Consumer Credit Distress Primary driver 36.3
Debt in Collections 31
Medical Debt 46
Auto Loan Delinquency 47
Credit Card Delinquency 14
Uninsured Rate 89
Subprime Credit Population 25
Structural Poverty 31.0
Unemployment Rate 23
Poverty Rate 49
Income vs. State Median 18
Child Poverty Rate 53
Disability Rate 52
Transfer Income Dependency 8
Economic Vitality 24.3
Wage-to-Rent Ratio 23
Rent-to-Income Ratio 10
Business Formation Rate 58
House Price Change (YoY) 8
Housing Cost Burden 21.2
Rent-Burdened (30%+) 8
Severely Rent-Burdened (50%+) 20
Mortgage-Burdened (30%+) 72
Homeownership Rate 20
Legal Distress 5.9
Bankruptcy Filing Rate 6

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Beaver County
Beaver County, OK 28.9 Healthy —
Ellis County, OK 60.2 Elevated +31.3
Seward County, KS 49.5 Normal +20.6
Texas County, OK 45.0 Normal +16.1
Ochiltree County, TX 42.9 Normal +14.0
Harper County, OK 37.7 Normal +8.9
Clark County, KS 31.4 Healthy +2.5
Lipscomb County, TX 29.0 Healthy +0.1
Meade County, KS 27.3 Healthy -1.6

Population Peers

CountyScoreZonevs. Beaver County
Phelps County, NE 28.9 Healthy +0.0
Morton County, KS 28.9 Healthy +0.0
Lake of the Woods County, MN 28.8 Healthy -0.1
Lipscomb County, TX 29.0 Healthy +0.1
Baraga County, MI 28.7 Healthy -0.2

Download Data

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

Find Help in Beaver County

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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

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Legal aid organizations serving Beaver County residents at no cost.

Legal Aid Services of Oklahoma 1-888-534-5243

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Frequently Asked Questions

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

    Beaver County has a County Distress Index score of 28.9 out of 100, placing it in the Healthy zone. It ranks 2,808th nationally out of 3,144 counties and 77th in Oklahoma out of 77 counties.

  • What drives financial distress in Beaver County?

    The primary driver of distress in Beaver County is Consumer Credit Distress, where the county scores 36.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Beaver County compare to neighboring counties?

    Beaver County (28.9) can be compared to its 8 neighboring counties: Ellis County, OK (60.2); Seward County, KS (49.5); Texas County, OK (45.0).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). 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.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Healthy zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Beaver County's score of 28.9 sits in the Healthy zone (below 46).

  • What data sources power Beaver County's CDI score?

    Beaver County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Beaver County?

    Beaver County, Oklahoma has a population of approximately 5,018 (2023 Census estimate), classified as a tiny county.