Harmon County, Oklahoma

County Distress Index: Serious · 65.5 | 2,392 people · 23rd most distressed in Oklahoma
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Harmon County, OK shows significant household financial distress with a score of 65.5 — 616th 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 23rd 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. Harmon County's primary driver is Consumer Credit Distress at 79.0 — worse than roughly 79% of U.S. counties.

Consumer Credit Distress Primary driver 79.0
Debt in Collections 87
Medical Debt 95
Auto Loan Delinquency 68
Credit Card Delinquency 63
Uninsured Rate 95
Subprime Credit Population 76
Structural Poverty 72.8
Unemployment Rate 6
Poverty Rate 95
Income vs. State Median 89
Child Poverty Rate 95
Disability Rate 83
Transfer Income Dependency 59
Economic Vitality 69.9
Wage-to-Rent Ratio 57
Rent-to-Income Ratio 77
Business Formation Rate 95
House Price Change (YoY) 62
Legal Distress 65.4
Bankruptcy Filing Rate 65
Housing Cost Burden 30.3
Rent-Burdened (30%+) 11
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 10
Homeownership Rate 62

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Harmon County
Harmon County, OK 65.5 Serious —
Hardeman County, TX 69.9 Serious +4.4
Greer County, OK 62.5 Elevated -2.9
Beckham County, OK 61.0 Elevated -4.5
Jackson County, OK 57.9 Elevated -7.6
Childress County, TX 56.1 Elevated -9.4
Collingsworth County, TX 53.4 Elevated -12.1

Population Peers

CountyScoreZonevs. Harmon County
Floyd County, TX 65.4 Serious -0.1
Latimer County, OK 65.3 Serious -0.1
Red River Parish, LA 65.8 Serious +0.3
Norton city, VA 65.9 Serious +0.4
Owsley County, KY 64.9 Elevated -0.5

Download Data

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

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Oklahoma Bar Association Lawyer Referral 405-416-7000

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Frequently Asked Questions

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

    Harmon County has a County Distress Index score of 65.5 out of 100, placing it in the Serious zone. It ranks 616th nationally out of 3,144 counties and 23rd in Oklahoma out of 77 counties.

  • What drives financial distress in Harmon County?

    The primary driver of distress in Harmon County is Consumer Credit Distress, where the county scores 79.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Harmon County compare to neighboring counties?

    Harmon County (65.5) can be compared to its 6 neighboring counties: Hardeman County, TX (69.9); Greer County, OK (62.5); Beckham County, OK (61.0).

  • 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 Serious 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). Harmon County's score of 65.5 sits in the Serious zone (71–86).

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

    Harmon 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 Harmon County?

    Harmon County, Oklahoma has a population of approximately 2,392 (2023 Census estimate), classified as a tiny county.