Osage County, Oklahoma

County Distress Index: Elevated · 62.7 | 46,130 people · 32nd most distressed in Oklahoma
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Osage County, OK registers elevated household financial distress with a score of 62.7 — 790th 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 32nd of 77 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Osage County's primary driver is Consumer Credit Distress at 75.9 — worse than roughly 76% of U.S. counties.

Consumer Credit Distress Primary driver 75.9
Debt in Collections 77
Medical Debt 67
Auto Loan Delinquency 80
Credit Card Delinquency 80
Uninsured Rate 74
Subprime Credit Population 74
Economic Vitality 63.8
Wage-to-Rent Ratio 75
Rent-to-Income Ratio 73
Business Formation Rate 37
House Price Change (YoY) 32
Legal Distress 63.2
Bankruptcy Filing Rate 63
Structural Poverty 52.0
Unemployment Rate 61
Poverty Rate 56
Income vs. State Median 30
Child Poverty Rate 55
Disability Rate 84
Transfer Income Dependency 43
Housing Cost Burden 40.2
Rent-Burdened (30%+) 43
Severely Rent-Burdened (50%+) 43
Mortgage-Burdened (30%+) 39
Homeownership Rate 27

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Osage County
Osage County, OK 62.7 Elevated —
Kay County, OK 66.0 Serious +3.3
Tulsa County, OK 61.8 Elevated -0.9
Pawnee County, OK 61.4 Elevated -1.3
Washington County, OK 55.2 Elevated -7.4
Cowley County, KS 51.4 Elevated -11.3
Noble County, OK 51.3 Elevated -11.3
Chautauqua County, KS 46.0 Normal -16.7

Population Peers

CountyScoreZonevs. Osage County
Titus County, TX 62.6 Elevated -0.0
Des Moines County, IA 62.6 Elevated -0.0
Breathitt County, KY 62.7 Elevated +0.0
Scott County, IN 62.7 Elevated +0.0
Pontotoc County, MS 62.7 Elevated +0.1

Download Data

Export all distress indicators for Osage 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 Osage County, Oklahoma?

    Osage County has a County Distress Index score of 62.7 out of 100, placing it in the Elevated zone. It ranks 790th nationally out of 3,144 counties and 32nd in Oklahoma out of 77 counties.

  • What drives financial distress in Osage County?

    The primary driver of distress in Osage County is Consumer Credit Distress, where the county scores 75.9 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Osage County compare to neighboring counties?

    Osage County (62.7) can be compared to its 7 neighboring counties: Kay County, OK (66.0); Tulsa County, OK (61.8); Pawnee County, OK (61.4).

  • 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). Osage County's score of 62.7 sits in the Elevated zone (55–71).

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

    Osage 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 Osage County?

    Osage County, Oklahoma has a population of approximately 46,130 (2023 Census estimate), classified as a small county.