Love County, Oklahoma

County Distress Index: Elevated · 56.2 | 10,296 people · 53rd most distressed in Oklahoma
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Love County, OK registers elevated household financial distress with a score of 56.2 — 1188th 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 53rd of 77 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Love County's primary driver is Consumer Credit Distress at 81.8 — worse than roughly 82% of U.S. counties.

Consumer Credit Distress Primary driver 81.8
Debt in Collections 83
Medical Debt 92
Auto Loan Delinquency 68
Credit Card Delinquency 89
Uninsured Rate 84
Subprime Credit Population 79
Structural Poverty 64.8
Unemployment Rate 95
Poverty Rate 57
Income vs. State Median 39
Child Poverty Rate 55
Disability Rate 90
Transfer Income Dependency 67
Economic Vitality 46.6
Wage-to-Rent Ratio 55
Rent-to-Income Ratio 56
Business Formation Rate 25
House Price Change (YoY) 18
Housing Cost Burden 17.3
Rent-Burdened (30%+) 12
Severely Rent-Burdened (50%+) 8
Mortgage-Burdened (30%+) 10
Homeownership Rate 57
Legal Distress 5.5
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Love County
Love County, OK 56.2 Elevated —
Grayson County, TX 68.6 Serious +12.4
Montague County, TX 67.9 Serious +11.7
Carter County, OK 67.7 Serious +11.5
Cooke County, TX 60.6 Elevated +4.4
Jefferson County, OK 57.7 Elevated +1.5
Marshall County, OK 53.2 Elevated -3.0

Population Peers

CountyScoreZonevs. Love County
St. James Parish, LA 56.2 Elevated 0.0
Malheur County, OR 56.2 Elevated 0.0
Adams County, WA 56.2 Elevated -0.0
Lewis County, TN 56.3 Elevated +0.1
Beauregard Parish, LA 56.2 Elevated -0.1

Download Data

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

Find Help in Love 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 Love 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 Love County, Oklahoma?

    Love County has a County Distress Index score of 56.2 out of 100, placing it in the Elevated zone. It ranks 1,188th nationally out of 3,144 counties and 53rd in Oklahoma out of 77 counties.

  • What drives financial distress in Love County?

    The primary driver of distress in Love County is Consumer Credit Distress, where the county scores 81.8 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Love County compare to neighboring counties?

    Love County (56.2) can be compared to its 6 neighboring counties: Grayson County, TX (68.6); Montague County, TX (67.9); Carter County, OK (67.7).

  • 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). Love County's score of 56.2 sits in the Elevated zone (55–71).

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

    Love 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 Love County?

    Love County, Oklahoma has a population of approximately 10,296 (2023 Census estimate), classified as a small county.