Crook County, Oregon

County Distress Index: Normal · 44.0 | 26,952 people · 23rd most distressed in Oregon
American Default Research

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Crook County, OR falls within the normal range for household financial distress at 44.0 — 1958th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Oregon, it ranks 23rd of 36 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. Crook County's primary driver is Legal Distress at 84.4 — worse than roughly 84% of U.S. counties.

Legal Distress Primary driver 84.4
Bankruptcy Filing Rate 84
Housing Cost Burden 63.9
Rent-Burdened (30%+) 89
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 86
Homeownership Rate 44
Structural Poverty 56.7
Unemployment Rate 93
Poverty Rate 44
Income vs. State Median 34
Child Poverty Rate 44
Disability Rate 74
Transfer Income Dependency 64
Economic Vitality 30.1
Wage-to-Rent Ratio 4
Rent-to-Income Ratio 64
Business Formation Rate 32
House Price Change (YoY) 56
Consumer Credit Distress 27.4
Debt in Collections 28
Medical Debt 30
Auto Loan Delinquency 27
Credit Card Delinquency 22
Uninsured Rate 39
Subprime Credit Population 26

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Crook County
Crook County, OR 44.0 Normal —
Jefferson County, OR 58.0 Elevated +14.0
Harney County, OR 44.9 Normal +0.9
Wheeler County, OR 42.5 Normal -1.5
Grant County, OR 41.0 Normal -3.0
Deschutes County, OR 40.3 Normal -3.7

Population Peers

CountyScoreZonevs. Crook County
Okanogan County, WA 44.0 Normal +0.0
Stephenson County, IL 44.0 Normal +0.0
Union County, IL 44.0 Normal +0.0
Tioga County, PA 44.0 Normal +0.0
Perry County, PA 43.9 Normal -0.0

Download Data

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

Find Help in Crook County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Crook County.

NEIGHBORIMPACT - PRINEVILLE HOUSING CENTER
Prineville
541-323-6567 Website
Foreclosure PreventionMortgage HelpFinancial CounselingHome Improvement/Rehab

See all counselors in Oregon →

Find an Attorney

Oregon State Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Oregon State Bar — Lawyer Referral Service 503-684-3763 (Portland); 1-800-452-7636 (statewide)

Free Legal Aid

Legal aid organizations serving Crook County residents at no cost.

Legal Aid Services of Oregon 503-684-1032 (Portland); 1-800-684-1032 (statewide hotline)
Oregon Law Center 541-672-3429 (Roseburg); 541-485-1017 (Eugene)
Willamette Law Online — Oregon Foreclosure Avoidance Project 503-370-6051

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 Oregon →

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Frequently Asked Questions

  • What is the distress score for Crook County, Oregon?

    Crook County has a County Distress Index score of 44.0 out of 100, placing it in the Normal zone. It ranks 1,958th nationally out of 3,144 counties and 23rd in Oregon out of 36 counties.

  • What drives financial distress in Crook County?

    The primary driver of distress in Crook County is Legal Distress, where the county scores 84.4 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Crook County compare to neighboring counties?

    Crook County (44.0) can be compared to its 5 neighboring counties: Jefferson County, OR (58.0); Harney County, OR (44.9); Wheeler County, OR (42.5).

  • 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). Crook County's score of 44.0 sits in the Normal zone (46–55).

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

    Crook 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 Crook County?

    Crook County, Oregon has a population of approximately 26,952 (2023 Census estimate), classified as a small county.