Texas County, Oklahoma

County Distress Index: Normal · 45.0 | 20,371 people · 69th most distressed in Oklahoma
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Texas County, OK falls within the normal range for household financial distress at 45.0 — 1895th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Oklahoma, it ranks 69th of 77 counties. Among its 8 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Texas County's primary driver is Consumer Credit Distress at 55.1 — above the national median.

Consumer Credit Distress Primary driver 55.1
Debt in Collections 48
Medical Debt 63
Auto Loan Delinquency 37
Credit Card Delinquency 44
Uninsured Rate 87
Subprime Credit Population 70
Economic Vitality 53.0
Wage-to-Rent Ratio 58
Rent-to-Income Ratio 36
Business Formation Rate 91
House Price Change (YoY) 1
Housing Cost Burden 50.9
Rent-Burdened (30%+) 45
Severely Rent-Burdened (50%+) 56
Mortgage-Burdened (30%+) 21
Homeownership Rate 73
Structural Poverty 16.7
Unemployment Rate 3
Poverty Rate 33
Income vs. State Median 16
Child Poverty Rate 36
Disability Rate 14
Transfer Income Dependency 3
Legal Distress 4.1
Bankruptcy Filing Rate 4

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Texas County
Texas County, OK 45.0 Normal —
Hansford County, TX 52.3 Elevated +7.3
Seward County, KS 49.5 Normal +4.5
Ochiltree County, TX 42.9 Normal -2.1
Cimarron County, OK 39.2 Normal -5.8
Sherman County, TX 39.0 Normal -6.0
Stevens County, KS 36.9 Normal -8.1
Morton County, KS 28.9 Healthy -16.1
Beaver County, OK 28.9 Healthy -16.1

Population Peers

CountyScoreZonevs. Texas County
Cheatham County, TN 45.0 Normal -0.0
Preble County, OH 44.9 Normal -0.1
Venango County, PA 44.9 Normal -0.1
Sumner County, KS 45.2 Normal +0.1
Webster County, MO 44.9 Normal -0.2

Download Data

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

Find Help in Texas 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 Texas 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 Texas County, Oklahoma?

    Texas County has a County Distress Index score of 45.0 out of 100, placing it in the Normal zone. It ranks 1,895th nationally out of 3,144 counties and 69th in Oklahoma out of 77 counties.

  • What drives financial distress in Texas County?

    The primary driver of distress in Texas County is Consumer Credit Distress, where the county scores 55.1 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Texas County compare to neighboring counties?

    Texas County (45.0) can be compared to its 8 neighboring counties: Hansford County, TX (52.3); Seward County, KS (49.5); Ochiltree County, TX (42.9).

  • 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 Normal 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). Texas County's score of 45.0 sits in the Normal zone (46–55).

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

    Texas 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 Texas County?

    Texas County, Oklahoma has a population of approximately 20,371 (2023 Census estimate), classified as a small county.