A new report shows many Oregon residents are facing growing financial pressure as the cost of living continues to rise.
The 2026 Oregon Financial Wellness Scorecard found that nearly three-quarters of Oregonians are struggling with higher expenses, contributing to record levels of household debt and a 25% rise in bankruptcy filings during 2025.
Although the report noted that median household income increased, nearly half of residents said they do not have enough emergency savings to cover a $500 unexpected expense. The findings also point to ongoing systemic barriers that make it difficult for many households to build financial stability.
Oregon State Treasurer Elizabeth Steiner said rising costs for food, housing and health care are putting pressure on families. She added that federal tariffs and funding cuts may also contribute to higher expenses and job disruptions.
The report includes a “Financial Fitness Check-up” encouraging small steps such as saving for education and building emergency funds to improve long-term financial health. It also found that more Oregonians participated in financial education programs in 2025 compared with 2023.
Scott Cooper of NeighborImpact said the report helps identify ways to address poverty and economic challenges, noting that demand for basic services has increased in Central Oregon.
The scorecard and related resources are available through the state treasurer’s Financially Fit Oregon program.
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