Grady County, Oklahoma

County Distress Index: Elevated · 54.5 | 57,375 people · 58th most distressed in Oklahoma
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Grady County, OK registers elevated household financial distress with a score of 54.5 — 1305th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Oklahoma, it ranks 58th of 77 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Grady County's primary driver is Legal Distress at 80.0 — worse than roughly 80% of U.S. counties.

Legal Distress Primary driver 80.0
Bankruptcy Filing Rate 80
Consumer Credit Distress 65.8
Debt in Collections 68
Medical Debt 86
Auto Loan Delinquency 34
Credit Card Delinquency 68
Uninsured Rate 79
Subprime Credit Population 70
Economic Vitality 39.8
Wage-to-Rent Ratio 49
Rent-to-Income Ratio 12
Business Formation Rate 34
House Price Change (YoY) 92
Structural Poverty 38.6
Unemployment Rate 41
Poverty Rate 47
Income vs. State Median 13
Child Poverty Rate 38
Disability Rate 75
Transfer Income Dependency 33
Housing Cost Burden 37.6
Rent-Burdened (30%+) 26
Severely Rent-Burdened (50%+) 42
Mortgage-Burdened (30%+) 50
Homeownership Rate 45

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Grady County
Grady County, OK 54.5 Elevated —
Comanche County, OK 71.9 Serious +17.4
Caddo County, OK 67.0 Serious +12.5
Garvin County, OK 62.6 Elevated +8.1
Stephens County, OK 59.3 Elevated +4.8
Canadian County, OK 56.7 Elevated +2.2
McClain County, OK 55.6 Elevated +1.1

Population Peers

CountyScoreZonevs. Grady County
St. Clair County, MI 54.5 Elevated +0.1
Spotsylvania County, VA 54.6 Elevated +0.1
Okaloosa County, FL 54.6 Elevated +0.1
Pittsylvania County, VA 54.7 Elevated +0.2
Portage County, OH 54.2 Elevated -0.3

Download Data

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

Find Help in Grady County

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 Grady 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 Grady County, Oklahoma?

    Grady County has a County Distress Index score of 54.5 out of 100, placing it in the Elevated zone. It ranks 1,305th nationally out of 3,144 counties and 58th in Oklahoma out of 77 counties.

  • What drives financial distress in Grady County?

    The primary driver of distress in Grady County is Legal Distress, where the county scores 80.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Grady County compare to neighboring counties?

    Grady County (54.5) can be compared to its 6 neighboring counties: Comanche County, OK (71.9); Caddo County, OK (67.0); Garvin County, OK (62.6).

  • 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). Grady County's score of 54.5 sits in the Elevated zone (55–71).

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

    Grady 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 Grady County?

    Grady County, Oklahoma has a population of approximately 57,375 (2023 Census estimate), classified as a mid county.