Noble County, Oklahoma

County Distress Index: Elevated · 51.3 | 10,832 people · 61st most distressed in Oklahoma
American Default Research

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Noble County, OK registers elevated household financial distress with a score of 51.3 — 1498th 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 61st 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. Noble County's primary driver is Legal Distress at 73.1 — above the national median.

Legal Distress Primary driver 73.1
Bankruptcy Filing Rate 73
Consumer Credit Distress 70.8
Debt in Collections 75
Medical Debt 95
Auto Loan Delinquency 87
Credit Card Delinquency 57
Uninsured Rate 45
Subprime Credit Population 58
Structural Poverty 45.4
Unemployment Rate 34
Poverty Rate 48
Income vs. State Median 32
Child Poverty Rate 48
Disability Rate 69
Transfer Income Dependency 46
Economic Vitality 22.4
Wage-to-Rent Ratio 15
Rent-to-Income Ratio 24
Business Formation Rate 47
House Price Change (YoY) 10
Housing Cost Burden 18.3
Rent-Burdened (30%+) 27
Severely Rent-Burdened (50%+) 6
Mortgage-Burdened (30%+) 29
Homeownership Rate 19

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Noble County
Noble County, OK 51.3 Elevated —
Kay County, OK 66.0 Serious +14.6
Payne County, OK 64.6 Elevated +13.3
Osage County, OK 62.7 Elevated +11.3
Pawnee County, OK 61.4 Elevated +10.1
Garfield County, OK 60.0 Elevated +8.6
Logan County, OK 54.0 Elevated +2.7

Population Peers

CountyScoreZonevs. Noble County
Silver Bow County, MT 51.3 Elevated +0.0
Clinton County, PA 51.3 Elevated -0.0
Henry County, IN 51.4 Elevated +0.0
Nicholas County, WV 51.3 Elevated -0.0
Cowley County, KS 51.4 Elevated +0.1

Download Data

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

Find Help in Noble 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

Free Legal Aid

Legal aid organizations serving Noble 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 Noble County, Oklahoma?

    Noble County has a County Distress Index score of 51.3 out of 100, placing it in the Elevated zone. It ranks 1,498th nationally out of 3,144 counties and 61st in Oklahoma out of 77 counties.

  • What drives financial distress in Noble County?

    The primary driver of distress in Noble County is Legal Distress, where the county scores 73.1 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Noble County compare to neighboring counties?

    Noble County (51.3) can be compared to its 6 neighboring counties: Kay County, OK (66.0); Payne County, OK (64.6); Osage County, OK (62.7).

  • 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). Noble County's score of 51.3 sits in the Elevated zone (55–71).

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

    Noble 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 Noble County?

    Noble County, Oklahoma has a population of approximately 10,832 (2023 Census estimate), classified as a small county.