Oregon Financial Distress Profile
Composite distress data for 36 counties, updated quarterly from federal sources. Household debt, delinquency, foreclosure law, and county-level distress scores compared to national averages.
· Data from NY Fed, CFPB, BLS, US Courts, Q4 2025
Behind on your mortgage in Oregon? See your options under Oregon law →
Oregon ranks #16 nationally for household financial distress. County Distress Index details are listed separately for its 36 counties. The national State Distress Index average is 50.0.
How Does Oregon Compare to the National Average?
Oregon is above the national average on 1 of 5 key household distress metrics. Credit card delinquency stands at 9.5% (below the 12.4% national rate), auto loan delinquency at 3.6%, and total debt per capita at $69,640.
Since 2019, credit card delinquency in Oregon has risen 3.2pp and total household debt has grown 23.0%. Most metrics remain below the national baseline.
Key Statistics at a Glance
State Distress Index: Oregon
Domain Breakdown
The national American Distress Index reads 44.6 (Typical). On average, its inputs sit higher than in 45% of their own quarterly histories since 2005. Oregon's State Distress Index of 65.2 (Second-most distressed fifth) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, labor, and the safety-net buffer.
Oregon vs. National Average
Delinquency rates measure the share of loan accounts 30 or more days past due. Higher rates signal greater household financial stress. Debt and balance figures are per capita, adjusted for state population.
Download all states (CSV)Oregon vs. National: 5 Key Metrics (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax, Q4 2025.
Similar States by Distress Level
States ranked closest to Oregon (#16) on the State Distress Index. Peer comparison reveals whether distress patterns are regional or structural.
| State | SDI Score | Quintile | Highest Domain |
|---|---|---|---|
| Oregon | 65.2 | Second-most distressed fifth | Safety Net & Buffer |
| Florida | 67.4 | Second-most distressed fifth | Delinquency |
| South Carolina | 65.6 | Second-most distressed fifth | Delinquency |
| Texas | 64.8 | Second-most distressed fifth | Delinquency |
Change Since 2019
Pre-pandemic 2019 values provide a baseline for how distress has evolved. Credit card and auto loan delinquency have risen sharply in most states since pandemic-era forbearance protections expired.
| Metric | 2019 | 2025 | Change | Nat'l 2025 |
|---|---|---|---|---|
| Credit Card Delinquency | 6.3% | 9.5% | +3.2pp | 12.4% |
| Auto Loan Delinquency | 2.6% | 3.6% | +1.0pp | 5.2% |
| Mortgage Delinquency | 0.50% | 0.64% | +0.1pp | 0.94% |
| Total Debt per Capita | $56,620 | $69,640 | +23.0% | $63,200 |
| CC Balance per Capita | $3,200 | $4,030 | +25.9% | $4,350 |
Oregon Foreclosure Law Summary
Understanding your state's foreclosure process is critical if you fall behind on mortgage payments. Oregon primarily uses non-judicial foreclosure.
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.
Full Oregon foreclosure law guide →Strong Safety Net as Partial Buffer
Despite mixed signals in the data, Oregon's safety net score of 81.1 (Strong) provides a partial buffer that many states lack. Medicaid covers 23.7% of the population, the Homeowner Assistance Fund remains active, and state foreclosure protections add additional guardrails. Even so, the Distress Index reads 65.2 (Second-most distressed fifth) — safety nets slow crises, they don't prevent them.
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 55.9 — above the national county mean of 50.0.
Distress Fifth Distribution
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Most Distressed Counties
| County | Score | Distress Fifth | Top Driver |
|---|---|---|---|
| Klamath County | 76.3 | Most distressed fifth | Labor |
| Lake County | 71.3 | Most distressed fifth | Labor |
| Josephine County | 68.5 | Most distressed fifth | Labor |
| Jefferson County | 65.4 | Second-most distressed fifth | Labor |
| Lincoln County | 65.1 | Second-most distressed fifth | Debt Burden (housing basis) |
Klamath County ranks #231 most distressed nationally out of 3,144 counties.
Least Distressed Counties
| County | Score | Distress Fifth | Top Domain |
|---|---|---|---|
| Morrow County | 36.5 | Second-least distressed fifth | Labor |
| Hood River County | 36.8 | Second-least distressed fifth | Debt Burden (housing basis) |
| Benton County | 37.2 | Second-least distressed fifth | Debt Burden (housing basis) |
| Deschutes County | 44.3 | Second-least distressed fifth | Labor |
| Washington County | 44.8 | Second-least distressed fifth | Labor |
The gap between Oregon's most and least distressed counties is 39.8 points — Klamath County (76.3, Most distressed fifth) vs. Morrow County (36.5, Second-least distressed fifth). That spread reveals two very different economic realities within the same state.
Explore all 36 Oregon counties →CFPB Mortgage Complaints in Oregon
The Consumer Financial Protection Bureau has received 5,000 mortgage complaints from Oregon since 2012 — 118.1 per 100,000 residents, below the national rate of 129.3 per 100K. Oregon ranks #20 of 51 jurisdictions for complaint density.
| Year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Complaints | 286 | 261 | 225 | 263 | 239 | 223 |
Source: CFPB Consumer Complaint Database. Filed a mortgage complaint? Search the complaint database.
Bankruptcy Filings: Oregon
Bankruptcy filings reflect the downstream consequence of sustained financial distress — when households exhaust savings, fall behind on debt, and run out of alternatives. Oregon's filing rate exceeds the national average.
Source: U.S. Courts, Administrative Office. Table F-2: Cases Commenced by Chapter. Per-capita rates use 2024 Census population estimates.
Credit Distress: Oregon
The Philadelphia Fed Consumer Credit Explorer tracks credit health metrics from Equifax data. 9.9% of Oregon residents have debt in collections — below the national rate 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. 2025 Q1.
Economic Context: Oregon
SNAP enrollment and unemployment rates provide upstream context for household debt distress. Higher food assistance enrollment signals that more families are struggling with basic expenses, while elevated unemployment directly reduces income available for debt service.
Sources: USDA 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 81.1 out of 100 (Strong), ranking #1 of 51 jurisdictions.
Component Breakdown
Sources: Kaiser Family Foundation (Medicaid, 2024), USDA FNS (SNAP, 2025), U.S. Treasury HAF program status, 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 #44 among all states and DC. The national average is 12.4%. This rate has risen from 6.3% in 2019.
How does Oregon's household debt compare to the national average?
Oregon residents carry $69,640 in total debt per capita, above the national average of $63,200. Debt per capita has grown 23.0% since 2019. Oregon ranks #12 nationally for total household debt per capita.
What is the auto loan delinquency rate in Oregon?
Auto loan delinquency in Oregon stands at 3.6% as of Q4 2025, below the national rate of 5.2%. This ranks #37 nationally. The rate has risen from 2.6% in 2019.
What type of foreclosure process does Oregon use?
Oregon primarily uses non-judicial foreclosure. This allows lenders to foreclose without court proceedings, resulting in a faster process. See our full Oregon foreclosure law guide for timelines, protections, and legal resources.
Is Oregon above or below the national average for financial distress?
Oregon scores 65.2 on the State Distress Index (Second-most distressed fifth), ranking #16 of 51 jurisdictions. That is 15.2 points above the national state average of 50.0. This composite score is built from 4 domains: delinquency, default and legal, labor, and safety net and buffer. Separately, the national American Distress Index reads 44.6 (Typical) for the country over time. On average, its inputs sit higher than in 45% of their own quarterly histories since 2005.
How many CFPB mortgage complaints have been filed in Oregon?
The CFPB has received 5,000 mortgage complaints from Oregon since 2012, a rate of 118.1 per 100,000 residents. This ranks #20 of 51 jurisdictions. The national average is 129.3 per 100K. Companies responded to 98.4% of Oregon complaints within the required timeframe.
What is the bankruptcy filing rate in Oregon?
Oregon had 8,202 bankruptcy filings in the 12-month period ending Dec 2025, a rate of 193.7 per 100,000 residents — above the national rate of 169.1 per 100K. This ranks #16 of 51 jurisdictions. Chapter 7 filings account for 77.7% and Chapter 13 for 21.8%. Filings changed +24.3% year-over-year.
What percentage of people in Oregon have debt in collections?
9.9% of individuals in Oregon have debt in collections, below the national rate of 13.9%. This ranks #39 of 51 jurisdictions. Additionally, 11.7% of Oregon residents have subprime credit scores (below 620), compared to 16.9% nationally. Data from the Philadelphia Fed Consumer Credit Explorer (NY Fed / Equifax).
What is the SNAP enrollment rate in Oregon?
717,017 residents of Oregon receive SNAP benefits, an enrollment rate of 16.8% — above the national rate of 11.2%. This ranks #3 of 51 jurisdictions. SNAP participation has changed -7.4% year-over-year. The pre-pandemic rate was 13.7%.
How strong is Oregon's financial safety net?
Oregon scores 81.1 out of 100 on the Safety Net Index, ranking #1 of 51 jurisdictions (Strong). The score combines Medicaid coverage (23.7% enrollment rate, expansion state), SNAP enrollment (16.8%), Homeowner Assistance Fund status (active), and foreclosure legal protections. The national average is 48.1.
Which Oregon counties have the highest financial distress?
Klamath County is the most distressed county in Oregon with a County Distress Index score of 76.3 (Most distressed fifth), ranking #231 nationally out of 3,144 counties. Lake County (71.3), Josephine County (68.5), Jefferson County (65.4) round out the top distressed counties. Morrow County is the least distressed at 36.5 (Second-least distressed fifth). See all 36 counties at /counties/oregon/.
How long can foreclosure take in Oregon?
Oregon uses non-judicial foreclosure, which allows lenders to foreclose without court proceedings. In Oregon, the bank can foreclose in roughly 150–210 days from first missed payment to sale — though individual cases vary with cure periods, mediation, postponements, court backlogs, and bankruptcy filings. Homeowners have a right to cure: The borrower may cure the default (pay all past-due amounts plus fees and costs)…. The homestead exemption is $40,000. Full details at /help/foreclosure/oregon/.
Where does Oregon rank for financial distress?
Oregon scores 65.2 on the State Distress Index (Second-most distressed fifth), ranking #16 of 51 jurisdictions. 1 of 5 key metrics exceed national averages. The highest SDI domain is Safety Net & Buffer. County Distress Index details are listed separately by county. The safety net ranks #1 (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. Updated quarterly.
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 (2025), U.S. Treasury HAF program status, and state foreclosure legal protections.