Wagoner County, Oklahoma

County Distress Index: Normal · 49.6 | 89,280 people · 65th most distressed in Oklahoma
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Wagoner County, OK falls within the normal range for household financial distress at 49.6 — 1598th 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 65th of 77 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Wagoner County's primary driver is Legal Distress at 75.3 — worse than roughly 75% of U.S. counties.

Legal Distress Primary driver 75.3
Bankruptcy Filing Rate 75
Consumer Credit Distress 51.8
Debt in Collections 50
Medical Debt 57
Auto Loan Delinquency 40
Credit Card Delinquency 34
Uninsured Rate 74
Subprime Credit Population 66
Housing Cost Burden 51.0
Rent-Burdened (30%+) 61
Severely Rent-Burdened (50%+) 51
Mortgage-Burdened (30%+) 72
Homeownership Rate 15
Economic Vitality 44.4
Wage-to-Rent Ratio 62
Rent-to-Income Ratio 21
Business Formation Rate 25
House Price Change (YoY) 62
Structural Poverty 29.4
Unemployment Rate 41
Poverty Rate 24
Income vs. State Median 6
Child Poverty Rate 20
Disability Rate 68
Transfer Income Dependency 30

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Wagoner County
Wagoner County, OK 49.6 Normal —
Muskogee County, OK 76.3 Serious +26.7
Okmulgee County, OK 74.8 Serious +25.2
Cherokee County, OK 68.1 Serious +18.5
Tulsa County, OK 61.8 Elevated +12.2
Mayes County, OK 60.3 Elevated +10.7
Rogers County, OK 46.4 Normal -3.2

Population Peers

CountyScoreZonevs. Wagoner County
Berkshire County, MA 49.6 Normal +0.0
Racine County, WI 49.6 Normal +0.0
Miami County, OH 49.7 Normal +0.1
Cass County, MO 49.5 Normal -0.1
Kerr County, TX 49.7 Normal +0.1

Download Data

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

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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 Wagoner 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 Wagoner County, Oklahoma?

    Wagoner County has a County Distress Index score of 49.6 out of 100, placing it in the Normal zone. It ranks 1,598th nationally out of 3,144 counties and 65th in Oklahoma out of 77 counties.

  • What drives financial distress in Wagoner County?

    The primary driver of distress in Wagoner County is Legal Distress, where the county scores 75.3 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Wagoner County compare to neighboring counties?

    Wagoner County (49.6) can be compared to its 6 neighboring counties: Muskogee County, OK (76.3); Okmulgee County, OK (74.8); Cherokee County, OK (68.1).

  • 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 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). Wagoner County's score of 49.6 sits in the Normal zone (46–55).

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

    Wagoner 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 Wagoner County?

    Wagoner County, Oklahoma has a population of approximately 89,280 (2023 Census estimate), classified as a mid county.