Murray County, Oklahoma

County Distress Index: Elevated · 54.6 | 13,754 people · 57th most distressed in Oklahoma
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Murray County, OK registers elevated household financial distress with a score of 54.6 — 1299th 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 57th of 77 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Murray County's primary driver is Consumer Credit Distress at 70.4 — above the national median.

Consumer Credit Distress Primary driver 70.4
Debt in Collections 74
Medical Debt 48
Auto Loan Delinquency 72
Credit Card Delinquency 64
Uninsured Rate 84
Subprime Credit Population 79
Legal Distress 63.0
Bankruptcy Filing Rate 63
Structural Poverty 53.6
Unemployment Rate 67
Poverty Rate 42
Income vs. State Median 24
Child Poverty Rate 48
Disability Rate 89
Transfer Income Dependency 63
Economic Vitality 34.7
Wage-to-Rent Ratio 44
Rent-to-Income Ratio 26
Business Formation Rate 37
House Price Change (YoY) 10
Housing Cost Burden 26.7
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 15
Mortgage-Burdened (30%+) 5
Homeownership Rate 63

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Murray County
Murray County, OK 54.6 Elevated —
Carter County, OK 67.7 Serious +13.1
Garvin County, OK 62.6 Elevated +8.0
Johnston County, OK 59.1 Elevated +4.5
Pontotoc County, OK 50.5 Elevated -4.0

Population Peers

CountyScoreZonevs. Murray County
Grayson County, VA 54.6 Elevated -0.0
Lafayette County, MO 54.5 Elevated -0.0
Greenbrier County, WV 54.6 Elevated +0.0
Grainger County, TN 54.5 Elevated -0.1
Cleburne County, AL 54.7 Elevated +0.1

Download Data

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

Find Help in Murray 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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Frequently Asked Questions

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

    Murray County has a County Distress Index score of 54.6 out of 100, placing it in the Elevated zone. It ranks 1,299th nationally out of 3,144 counties and 57th in Oklahoma out of 77 counties.

  • What drives financial distress in Murray County?

    The primary driver of distress in Murray County is Consumer Credit Distress, where the county scores 70.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Murray County compare to neighboring counties?

    Murray County (54.6) can be compared to its 4 neighboring counties: Carter County, OK (67.7); Garvin County, OK (62.6); Johnston County, OK (59.1).

  • 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). Murray County's score of 54.6 sits in the Elevated zone (55–71).

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

    Murray 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 Murray County?

    Murray County, Oklahoma has a population of approximately 13,754 (2023 Census estimate), classified as a small county.