Woodward County, Oklahoma

County Distress Index: Normal · 48.3 | 19,947 people · 66th most distressed in Oklahoma
American Default Research

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

Woodward County, OK falls within the normal range for household financial distress at 48.3 — 1692nd 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 66th of 77 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Woodward County's primary driver is Consumer Credit Distress at 61.0 — above the national median.

Consumer Credit Distress Primary driver 61.0
Debt in Collections 60
Medical Debt 90
Auto Loan Delinquency 44
Credit Card Delinquency 52
Uninsured Rate 82
Subprime Credit Population 57
Legal Distress 51.9
Bankruptcy Filing Rate 52
Structural Poverty 48.7
Unemployment Rate 34
Poverty Rate 59
Income vs. State Median 37
Child Poverty Rate 57
Disability Rate 62
Transfer Income Dependency 47
Economic Vitality 38.5
Wage-to-Rent Ratio 32
Rent-to-Income Ratio 54
Business Formation Rate 33
House Price Change (YoY) 36
Housing Cost Burden 23.9
Rent-Burdened (30%+) 11
Severely Rent-Burdened (50%+) 7
Mortgage-Burdened (30%+) 68
Homeownership Rate 63

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Woodward County
Woodward County, OK 48.3 Normal —
Ellis County, OK 60.2 Elevated +11.9
Woods County, OK 50.4 Elevated +2.0
Dewey County, OK 40.8 Normal -7.6
Harper County, OK 37.7 Normal -10.6
Major County, OK 35.4 Normal -13.0

Population Peers

CountyScoreZonevs. Woodward County
Roane County, WV 48.3 Normal 0.0
Charlottesville city, VA 48.4 Normal +0.0
Burleson County, TX 48.4 Normal +0.0
Asotin County, WA 48.4 Normal +0.0
Grant County, WV 48.4 Normal +0.1

Download Data

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

Find Help in Woodward 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 Woodward 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 Woodward County, Oklahoma?

    Woodward County has a County Distress Index score of 48.3 out of 100, placing it in the Normal zone. It ranks 1,692nd nationally out of 3,144 counties and 66th in Oklahoma out of 77 counties.

  • What drives financial distress in Woodward County?

    The primary driver of distress in Woodward County is Consumer Credit Distress, where the county scores 61.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Woodward County compare to neighboring counties?

    Woodward County (48.3) can be compared to its 5 neighboring counties: Ellis County, OK (60.2); Woods County, OK (50.4); Dewey County, OK (40.8).

  • 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 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). Woodward County's score of 48.3 sits in the Normal zone (46–55).

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

    Woodward 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 Woodward County?

    Woodward County, Oklahoma has a population of approximately 19,947 (2023 Census estimate), classified as a small county.