Oregon Financial Distress Profile
Household debt and delinquency, bankruptcy filings, unemployment, foreclosure law and county distress scores for Oregon and its 36 counties, from federal sources, each shown beside the U.S. figure.
· Data from Federal Reserve Bank of New York, Consumer Financial Protection Bureau, U.S. Bureau of Labor Statistics, Administrative Office of the U.S. Courts, Q4 2025
Behind on your mortgage in Oregon? See your options under Oregon law →
Oregon ranks #20 of 51 jurisdictions on the State Distress Index, in the second-most distressed fifth: its score of 62 means it is more distressed than 62% of the 50 states and D.C.. County Distress Index details are listed separately for its 36 counties.
How Does Oregon Compare With the U.S.?
Oregon is above the U.S. figure on 1 of 5 household debt measures from the Federal Reserve Bank of New York for Q4 2025: total debt per adult with a credit file ($69,640). Credit card delinquency is 9.5%, 2.9 percentage points below the U.S. 12.4%; total debt per adult with a credit file is $69,640, $6,440 above the U.S. $63,200.
Credit card delinquency in Oregon is up 3.2 percentage points from 6.3% in Q4 2019, and total debt per adult with a credit file is 23% higher than in Q4 2019.
Key Statistics at a Glance
State Distress Index: Oregon
Movement since 2006
Since 2006, Oregon has eased from the 14th-most distressed jurisdiction to the 19th-most distressed, as of 2025 Q1. Its State Distress Index score fell from 74 to 64 over the same span.
Quarter-aligned back-series. Each quarter re-ranks all 51 jurisdictions on that quarter's own data, so a state's position here can sit several spots from the current reading above, which uses each input's latest value.
Domain Breakdown
The national American Distress Index reads 47.0 (Typical). The composite itself sits higher than 44% of all published quarters since 2005. Oregon's State Distress Index of 62 (moderate-high state distress) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, housing-basis debt burden, and labor.
Oregon and the U.S.
Delinquency rates measure balances 90 or more days past due as a share of total balances in each loan category. Higher rates signal greater household financial stress. Debt and balance figures are per adult with a credit file, not per resident.
Download all states (CSV)Oregon and the U.S.: 5 Household Debt Measures (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax, Q4 2025.
Similar States by Distress Level
The states ranked closest to Oregon (#20) on the State Distress Index, with the domain that scores highest in each.
Change Since 2019
Q4 2019, the last fourth quarter before the pandemic, is the baseline. Credit card delinquency is higher than in Q4 2019 in 51 of 51 jurisdictions, and auto loan delinquency is higher in 33.
| Metric | Q4 2019 | Q4 2025 | Change | U.S. Q4 2025 |
|---|---|---|---|---|
| Credit Card Delinquency | 6.3% | 9.5% | +3.2 percentage points | 12.4% |
| Auto Loan Delinquency | 2.6% | 3.6% | +1 percentage point | 5.2% |
| Mortgage Delinquency | 0.50% | 0.64% | +0.14 percentage points | 0.94% |
| Total Debt per Adult With a Credit File | $56,620 | $69,640 | +23% | $63,200 |
| Card Balance per Adult With a Credit File | $3,200 | $4,030 | +25.9% | $4,350 |
Oregon Foreclosure Law Summary
If you fall behind on mortgage payments, the steps and deadlines depend on state law. Oregon mainly uses non-judicial foreclosure, which a lender can carry out without going to court.
Oregon is primarily a non-judicial foreclosure state. The vast majority of residential mortgage foreclosures proceed as trustee's sales under the power of sale in a trust deed, governed by ORS 86.705-86.815.
- Paying to stop the foreclosure: The borrower (or a junior lienholder) may cure the default at any time up to five days before the date last set for the trustee's sale (ORS 86.778). Paying off the loan in full remains possible any time before the sale.
A Strong Safety Net Score
Oregon's Safety Net Index score of 75.8 (Strong) ranks #3 of 51. Medicaid covers 23.7% of the population. The State Distress Index reads 62 (moderate-high state distress), #20 of 51.
Distress by County
The County Distress Index scores every county in Oregon on a 0-100 scale using five equal-weighted domains: delinquency, default and legal, debt burden, labor, and safety net and buffer. Oregon's 36 counties average 54.6: on average, Oregon's counties are more distressed than 54% of U.S. counties. Across all 3,144 counties the average is 50.0, the middle of the scale.
Score Label Distribution
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Most Distressed Counties
| County | Score | Score Label | Top Driver |
|---|---|---|---|
| Klamath County | 84 | very high county distress | Labor |
| Lake County | 81 | very high county distress | Labor |
| Josephine County | 77 | high county distress | Debt Burden (housing basis) |
| Lincoln County | 75 | high county distress | Labor |
| Jefferson County | 73 | high county distress | Labor |
Least Distressed Counties
| County | Score | Score Label | Top Domain |
|---|---|---|---|
| Hood River County | 21 | low county distress | Debt Burden (housing basis) |
| Washington County | 28 | low county distress | Debt Burden (housing basis) |
| Deschutes County | 30 | low-moderate county distress | Debt Burden (housing basis) |
| Clackamas County | 31 | low-moderate county distress | Debt Burden (housing basis) |
| Wallowa County | 33 | low-moderate county distress | Labor |
The most distressed county in Oregon is Klamath County (84, very high county distress); the least distressed is Hood River County (21, low county distress).
Explore all 36 Oregon counties →CFPB Mortgage Complaints in Oregon
The Consumer Financial Protection Bureau has received 5,198 mortgage complaints from Oregon since 2012, 122.8 per 100,000 residents, 12.2 below the U.S. rate of 135. Oregon ranks #21 of 51 on complaints per resident.
| Year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Complaints | 286 | 261 | 225 | 263 | 239 | 225 |
Source: CFPB Consumer Complaint Database. Filed a mortgage complaint? Search the complaint database.
Bankruptcy Filings: Oregon
The filing rate is bankruptcy cases filed in a year, from the Administrative Office of the U.S. Courts, per 100,000 residents. It does not identify household causes, motives, assets, income, or case outcomes. Oregon's rate of 193.7 is 24.6 above the U.S. rate of 169.1.
Source: U.S. Courts, Administrative Office. Table F-2: Cases Commenced by Chapter. Per-capita rates use 2024 U.S. Census Bureau population estimates.
Credit Distress: Oregon
The Federal Reserve Bank of Philadelphia's Consumer Credit Explorer reports credit health from NY Fed / Equifax credit records. 9.9% of people with a credit file in Oregon have debt in collections, 4 percentage points below the U.S. average of 13.9%. 11.7% have subprime credit scores (below 620), and 31.8% are credit-constrained.
Source: Philadelphia Fed Consumer Credit Explorer. Data from NY Fed Consumer Credit Panel / Equifax. Q1 2025. The U.S. average is weighted by state population (our calculation).
Economic Context: Oregon
SNAP enrollment and unemployment give context for the debt figures above. The unemployment rate measures joblessness among people in the labor force. SNAP enrollment reflects each state's program rules and reach as well as need, which is why it is not part of the State Distress Index.
Sources: U.S. Department of Agriculture Food and Nutrition Service, BLS Local Area Unemployment Statistics. Population: U.S. Census Bureau 2024 estimates.
Safety Net Strength: Oregon
The Safety Net Index measures how much support infrastructure is available to households in financial distress — combining healthcare coverage, food assistance, emergency housing funds, and legal protections. Oregon scores 75.8 out of 100 (Strong), ranking #3 of 51 jurisdictions.
Component Breakdown
Sources: Kaiser Family Foundation (Medicaid, 2024), USDA FNS (SNAP, June 2026), state foreclosure statutes.
Frequently Asked Questions
What is the credit card delinquency rate in Oregon?
The credit card delinquency rate in Oregon is 9.5% as of Q4 2025, ranking #43 among the 51 states and DC, 2.9 percentage points below the U.S. 12.4%. It is up 3.2 percentage points from 6.3% in Q4 2019.
How does Oregon's household debt compare with the U.S.?
The NY Fed reports a $69,640 total debt balance per adult with a credit file in Oregon, $6,440 above the U.S. $63,200 on the same basis. That is 23% higher than in Q4 2019. Oregon ranks #12 on that basis.
What is the auto loan delinquency rate in Oregon?
Auto loan delinquency in Oregon is 3.6% as of Q4 2025, 1.6 percentage points below the U.S. 5.2%. This ranks #36 of 51. The rate is up from 2.6% in Q4 2019.
What type of foreclosure process does Oregon use?
Oregon mainly uses non-judicial foreclosure, which a lender can carry out without going to court. See our Oregon foreclosure guide for the timeline, homeowner protections and where to get free help.
What is Oregon's State Distress Index score?
Oregon scores 62 on the State Distress Index (moderate-high state distress), which means it is more distressed than 62% of the 50 states and D.C.. It ranks #20 of 51 jurisdictions, in the second-most distressed fifth. The score is built from 4 equal-weighted domains: delinquency, default and legal, debt burden on a housing basis, and labor. It ranks states against each other at one time. Separately, the national American Distress Index reads 47.0 (Typical) for the country over time. The composite itself sits higher than 44% of all published quarters since 2005.
How many CFPB mortgage complaints have been filed in Oregon?
The CFPB has received 5,198 mortgage complaints from Oregon since 2012, 122.8 per 100,000 residents, 12.2 below the U.S. rate of 135. That ranks #21 of 51. Companies responded to 98.3% of Oregon complaints on time.
What is the bankruptcy filing rate in Oregon?
Oregon had 8,202 bankruptcy filings in the 12-month period ending Dec 2025, 193.7 per 100,000 residents, 24.6 above the U.S. rate of 169.1. This ranks #16 of 51. Chapter 7 filings account for 77.7% and Chapter 13 for 21.8%. That is 24.3% more filings than in 2024.
What percentage of people in Oregon have debt in collections?
9.9% of people with a credit file in Oregon have debt in collections, 4 percentage points below the U.S. average of 13.9%. This ranks #39 of 51. 11.7% have subprime credit scores (below 620), 5.2 percentage points below the U.S. average of 16.9%. Data from the Federal Reserve Bank of Philadelphia Consumer Credit Explorer (NY Fed / Equifax), Q1 2025.
What is the SNAP enrollment rate in Oregon?
697,500 residents of Oregon received SNAP benefits in June 2026, an enrollment rate of 16.4%, 5.6 percentage points above the U.S. rate of 10.8%. This ranks #3 of 51. That is 9.7% fewer people than in June 2025. The rate is 2.7 percentage points above the October 2019 to February 2020 average.
How strong is Oregon's financial safety net?
Oregon scores 75.8 out of 100 on the Safety Net Index, ranking #3 of 51 (Strong). The score combines Medicaid coverage (23.7% enrollment rate, expansion state), SNAP enrollment (16.4%), and foreclosure legal protections. That is above the state average of 43.6.
Which Oregon counties have the highest financial distress?
Klamath County is the most distressed county in Oregon with a County Distress Index score of 84 · very high county distress. Lake County (81 · very high county distress), Josephine County (77 · high county distress), Lincoln County (75 · high county distress) are next. Hood River County is the least distressed at 21 · low county distress. See all 36 counties at /counties/oregon/.
How long can foreclosure take in Oregon?
Oregon mainly uses non-judicial foreclosure, which a lender can carry out without going to court. The timeline varies by county and case. Paying to stop the foreclosure: The borrower (or a junior lienholder) may cure the default at any time up to five days before the date last set for the trustee's sale (ORS 86.778). Paying off the loan in full remains possible any time before the sale. Homestead exemption: $150,000. Full details at /help/foreclosure/oregon/.
Where does Oregon rank for financial distress?
Oregon scores 62 on the State Distress Index (moderate-high state distress), which means it is more distressed than 62% of the 50 states and D.C.. It ranks #20 of 51 jurisdictions, in the second-most distressed fifth. 1 of 5 NY Fed household debt measures are above the U.S. figure. The State Distress Index domain with the highest score is Labor. County Distress Index details are listed separately by county. The safety net ranks #3 (Strong).
Data Sources
NY Fed Consumer Credit Panel
State-level household debt and delinquency statistics from the Federal Reserve Bank of New York, based on Equifax credit bureau data. Published once a year with fourth-quarter figures.
American Distress Index
Composite index tracking U.S. household financial distress across five equal-weighted domains. National score as of the latest available quarter.
Oregon Foreclosure Statutes
State foreclosure law data compiled from primary statutory sources and validated against legal databases. Last verified 2026-03-10.
CFPB Complaint Database
Mortgage complaints filed with the Consumer Financial Protection Bureau, 2012–present. Density calculated using 2024 Census population estimates.
USDA SNAP State Activity
Monthly SNAP participation by state from the USDA Food and Nutrition Service. Enrollment rates computed against 2024 Census population estimates.
U.S. Bankruptcy Courts
Annual bankruptcy filings by chapter and district from the Administrative Office of the U.S. Courts. Per-capita rates computed against 2024 Census population estimates.
Philadelphia Fed Consumer Credit Explorer
Quarterly credit health metrics (collections, subprime share, delinquency, credit-constrained rates) from Equifax via the NY Fed Consumer Credit Panel.
Safety Net Index
Composite score from KFF Medicaid enrollment (2024), USDA SNAP participation (latest month), and state foreclosure legal protections.