Coconino County, Arizona

County Distress Index: Elevated · 62.0 | 144,472 people · 9th most distressed in Arizona
American Default Research

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Coconino County, AZ registers elevated household financial distress with a score of 62.0 — 685th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Arizona, it ranks 9th of 15 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Coconino County's primary driver is Housing Cost Burden at 82.0 — worse than roughly 82% of U.S. counties.

Housing Cost Burden Primary driver 82.0
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 88
Mortgage-Burdened (30%+) 40
Homeownership Rate 94
Rent-to-Income Ratio 98
Employment & Wages 72.9
Unemployment Rate 80
Wage-to-Rent Ratio 98
Business Formation Rate 41
Income & Poverty 54.1
Poverty Rate 77
Income vs. State Median 20
Child Poverty Rate 65
Debt & Delinquency 52.1
Debt in Collections 57
Medical Debt 67
Student Loan Delinquency 52
Auto Loan Delinquency 82
Credit Card Delinquency 42
Bankruptcy Filing Rate 12
Community Vulnerability 49.0
Uninsured Rate 70
Disability Rate 28

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Coconino County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Coconino County
Coconino County, AZ 62.0 Elevated —
Navajo County, AZ 71.4 Serious +9.4
Gila County, AZ 69.6 Serious +7.5
Mohave County, AZ 68.3 Serious +6.3
San Juan County, UT 64.0 Elevated +2.0
Yavapai County, AZ 54.0 Elevated -8.0
Kane County, UT 45.7 Normal -16.3

Population Peers

County Score Zone vs. Coconino County
Bradley County, TN 62.0 Elevated +0.0
Brazos County, TX 62.0 Elevated -0.0
Pueblo County, CO 62.1 Elevated +0.1
Mahoning County, OH 62.1 Elevated +0.1
Hawkins County, TN 62.2 Elevated +0.2

Download Data

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

Find Help in Coconino County

Find an Attorney

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

State Bar of Arizona — Lawyer Referral Service 602-252-4804

Free Legal Aid

Legal aid organizations serving Coconino County residents at no cost.

Community Legal Services (CLS) — Central and Northern Arizona 602-258-3434
Southern Arizona Legal Aid (SALA) 520-623-9465
DNA People's Legal Services 928-871-4151
Three Rivers Legal Services 602-258-3434
Community Legal Services, Inc. (800) 852-9075

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Coconino County, Arizona?

    Coconino County has a County Distress Index score of 62.0 out of 100, placing it in the Elevated zone. It ranks 685th nationally out of 3,144 counties and 9th in Arizona out of 15 counties.

  • What drives financial distress in Coconino County?

    The primary driver of distress in Coconino County is Housing Cost Burden, where the county scores 82.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Coconino County compare to neighboring counties?

    Coconino County (62.0) can be compared to its 6 neighboring counties: Navajo County, AZ (71.4); Gila County, AZ (69.6); Mohave County, AZ (68.3).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. 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.

  • What is the population of Coconino County?

    Coconino County, Arizona has a population of approximately 144,472 (2023 Census estimate), classified as a mid county.