Garvin County, Oklahoma

County Distress Index: Elevated · 62.6 | 25,865 people · 33rd most distressed in Oklahoma
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Garvin County, OK registers elevated household financial distress with a score of 62.6 — 796th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Oklahoma, it ranks 33rd of 77 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Garvin County's primary driver is Consumer Credit Distress at 77.7 — worse than roughly 78% of U.S. counties.

Consumer Credit Distress Primary driver 77.7
Debt in Collections 83
Medical Debt 89
Auto Loan Delinquency 48
Credit Card Delinquency 82
Uninsured Rate 90
Subprime Credit Population 81
Legal Distress 76.8
Bankruptcy Filing Rate 77
Structural Poverty 64.5
Unemployment Rate 69
Poverty Rate 78
Income vs. State Median 45
Child Poverty Rate 70
Disability Rate 51
Transfer Income Dependency 77
Housing Cost Burden 38.9
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 37
Mortgage-Burdened (30%+) 24
Homeownership Rate 77
Economic Vitality 27.9
Wage-to-Rent Ratio 8
Rent-to-Income Ratio 36
Business Formation Rate 32
House Price Change (YoY) 99

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Garvin County
Garvin County, OK 62.6 Elevated —
Carter County, OK 67.7 Serious +5.1
Stephens County, OK 59.3 Elevated -3.3
McClain County, OK 55.6 Elevated -7.0
Murray County, OK 54.6 Elevated -8.0
Grady County, OK 54.5 Elevated -8.1
Pontotoc County, OK 50.5 Elevated -12.0

Population Peers

CountyScoreZonevs. Garvin County
Union County, FL 62.6 Elevated +0.0
Benton County, MO 62.5 Elevated -0.0
Des Moines County, IA 62.6 Elevated +0.1
Titus County, TX 62.6 Elevated +0.1
Marion County, MS 62.5 Elevated -0.1

Download Data

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

Find Help in Garvin 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 Garvin 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 Garvin County, Oklahoma?

    Garvin County has a County Distress Index score of 62.6 out of 100, placing it in the Elevated zone. It ranks 796th nationally out of 3,144 counties and 33rd in Oklahoma out of 77 counties.

  • What drives financial distress in Garvin County?

    The primary driver of distress in Garvin County is Consumer Credit Distress, where the county scores 77.7 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Garvin County compare to neighboring counties?

    Garvin County (62.6) can be compared to its 6 neighboring counties: Carter County, OK (67.7); Stephens County, OK (59.3); McClain County, OK (55.6).

  • 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 Elevated 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). Garvin County's score of 62.6 sits in the Elevated zone (55–71).

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

    Garvin 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 Garvin County?

    Garvin County, Oklahoma has a population of approximately 25,865 (2023 Census estimate), classified as a small county.