Okmulgee County, Oklahoma

County Distress Index: Serious · 74.8 | 37,035 people · 5th most distressed in Oklahoma
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Okmulgee County, OK shows significant household financial distress with a score of 74.8 — 196th 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 5th 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. Okmulgee County's primary driver is Consumer Credit Distress at 85.3 — worse than roughly 85% of U.S. counties.

Consumer Credit Distress Primary driver 85.3
Debt in Collections 85
Medical Debt 81
Auto Loan Delinquency 84
Credit Card Delinquency 87
Uninsured Rate 89
Subprime Credit Population 86
Legal Distress 81.7
Bankruptcy Filing Rate 82
Structural Poverty 79.9
Unemployment Rate 78
Poverty Rate 83
Income vs. State Median 61
Child Poverty Rate 82
Disability Rate 87
Transfer Income Dependency 92
Housing Cost Burden 59.0
Rent-Burdened (30%+) 52
Severely Rent-Burdened (50%+) 65
Mortgage-Burdened (30%+) 46
Homeownership Rate 71
Economic Vitality 45.3
Wage-to-Rent Ratio 36
Rent-to-Income Ratio 48
Business Formation Rate 47
House Price Change (YoY) 81

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Okmulgee County
Okmulgee County, OK 74.8 Serious —
Muskogee County, OK 76.3 Serious +1.6
McIntosh County, OK 71.9 Serious -2.8
Okfuskee County, OK 71.8 Serious -3.0
Tulsa County, OK 61.8 Elevated -13.0
Creek County, OK 60.9 Elevated -13.8
Wagoner County, OK 49.6 Normal -25.2

Population Peers

CountyScoreZonevs. Okmulgee County
Laurens County, GA 74.8 Serious +0.0
Richmond County, NC 74.8 Serious +0.0
Claiborne Parish, LA 74.8 Serious +0.0
Powell County, KY 74.8 Serious +0.1
Fairfield County, SC 74.7 Serious -0.1

Download Data

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

Find Help in Okmulgee 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 Okmulgee County residents at no cost.

Legal Aid Services of Oklahoma 1-888-534-5243

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Oklahoma →

Continue Reading

Frequently Asked Questions

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

    Okmulgee County has a County Distress Index score of 74.8 out of 100, placing it in the Serious zone. It ranks 196th nationally out of 3,144 counties and 5th in Oklahoma out of 77 counties.

  • What drives financial distress in Okmulgee County?

    The primary driver of distress in Okmulgee County is Consumer Credit Distress, where the county scores 85.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Okmulgee County compare to neighboring counties?

    Okmulgee County (74.8) can be compared to its 6 neighboring counties: Muskogee County, OK (76.3); McIntosh County, OK (71.9); Okfuskee County, OK (71.8).

  • 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). Okmulgee County's score of 74.8 sits in the Serious zone (71–86).

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

    Okmulgee 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 Okmulgee County?

    Okmulgee County, Oklahoma has a population of approximately 37,035 (2023 Census estimate), classified as a small county.