Cochise County, Arizona
Above the national median for unemployment — and 5.8× the rate of the healthiest U.S. county (Loving County, TX — 1%).
Main Findings
Cochise County, Arizona ranks 697th most distressed in the United States on the County Distress Index. The driver: 6% of the labor force is unemployed — above the national median of 4%. Its highest-scoring domain is Labor.
- 697th of 3,144 counties on the County Distress Index — 66.4 · moderate-high county distress, 9th in Arizona.
- 6% of the labor force is unemployed (U.S. median 4%). Unemployment at the 94th percentile nationally. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Rent-to-income ratio at 28% — national median 21%, ranked at the 92nd percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Disability rate at 18% — national median 16%, ranked at the 71st percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Bankruptcy filing rate at 134 — national median 126, ranked at the 53rd percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
Neighbors span four CDI score labels. The 40-point drop to Greenlee County marks where the Arizona distress corridor ends.
Cochise County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Labor.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Cochise County's CDI Score
Every number traces to a public source. Cochise County's value shown alongside AZ's median and the U.S. median. Full CSV available for download.
| Indicator | Cochise | AZ median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 47 · Rank 1,671 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 6% | 5% | 47th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 6% | 5% | 47th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 23% | 26% | 23% | 46th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 53 · Rank 1,403 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 24% | 26% | 23% | 53rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 134 | 128 | 126 | 53rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 72 · Rank 651 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 28% | 21% | 92nd | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 19% | 18% | 52nd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 94 · Rank 182 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 6% | 5% | 4% | 94th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 66 · Rank 947 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 20% | 21% | 18% | 59th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 18% | 15% | 16% | 71st | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 17% | 14% | 69th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 8% | 11% | 8% | 50th | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Cochise County data — in under 60 seconds.
Draft wire copy 126-word AP-style article — use freely with attribution
BISBEE, Ariz. — Cochise County ranks 697th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 66.4 out of 100 gives Cochise a moderate-high county distress label. Among 3,144 U.S. counties scored, 696 counties rank more distressed. Within Arizona, Cochise ranks ninth of 15 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies labor as the primary driver in Cochise. 6% of the labor force is unemployed — above the national median of 4%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Cochise County's CDI score, and what does it mean?
What drives Cochise County's distress score?
How does Cochise County compare to its neighbors?
How is the County Distress Index calculated?
Cochise County resident looking for help? HUD counselors, legal aid, and attorney referrals →