Contra Costa County, California
Above the national median for owner housing burden.
Main Findings
Contra Costa County, California ranks 2,005th most distressed in the United States on the County Distress Index. The driver: 34% of owner households pay 30%+ of income on housing — above the national median of 24%.
- 2,005th of 3,144 counties on the County Distress Index — Normal zone, 39th in California.
- 34% of owner households pay 30%+ of income on housing (U.S. median 24%). Owner housing burden at the 97th percentile nationally.
- Wage-to-rent ratio at 2.5× — national median 4.0×, ranked at the 3rd percentile.
- Unemployment at 5% — national median 4%, ranked at the 60th percentile.
- Consumer Credit Distress domain score 22 — weight 47.5% of the CDI composite.
Neighbors span two CDI zones. The 22-point drop to Alameda County marks where the Bay Area distress corridor ends.
"Contra Costa County sits at the national median, but the composition of its distress matters more than the composite score."
"Normal-zone counties are the national median. The interesting signal here isn't the composite score but which domain is moving fastest, up or down."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Contra Costa County's business formation rate indicator is at the 36th percentile — while every other indicator in the Economic Vitality domain is above the 78th. The gap stands out against wage-to-rent ratio and rent-to-income ratio. Worth a call to Urban Institute or a local credit counselor in Contra Costa County.
The Indicators Behind Contra Costa County's CDI Score
Every number traces to a public source. Contra Costa County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | Contra Costa | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Consumer Credit Distress — domain score 22 · Rank 2,630 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 14% | 18% | 23% | 17th | Urban Institute (2024) |
| Medical debt in collections Share of residents with a credit file who have medical debt in collections | 0% | 0% | 4% | 7th | Urban Institute (2024) |
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 4% | 5% | 36th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 5% | 5% | 27th | Urban Institute (2024) |
| Uninsured rate Share of residents without health insurance coverage | 5% | 6% | 8% | 15th | Census ACS 5-yr (2023) |
| Subprime credit share Share of residents with a credit score below 660 | 18% | 20% | 23% | 23rd | Urban Institute (2024) |
| Housing Cost Burden — domain score 91 · Rank 102 of 3,144 | |||||
| Rent burden (30%+) Share of renter households paying 30%+ of income on rent | 52% | 49% | 38% | 96th | Census ACS 5-yr (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 26% | 25% | 18% | 90th | Census ACS 5-yr (2023) |
| Owner housing burden Share of owner households paying 30%+ of income on housing | 34% | 31% | 24% | 97th | Census ACS 5-yr (2023) |
| Homeownership rate Share of occupied housing units that are owner-occupied | 68% | 63% | 74% | 22nd | Census ACS 5-yr (2023) |
| Structural Poverty — domain score 14 · Rank 2,950 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 6% | 4% | 60th | BLS LAUS (Dec 2025) |
| Poverty rate Share of population below the federal poverty line | 8% | 13% | 14% | 9th | Census SAIPE (2023) |
| Household income relative to state Median household income as share of state median | 1.50× | 1.00× | 1.00× | 96th | Census SAIPE (2023) |
| Child poverty rate Share of children under 18 below the federal poverty line | 10% | 16% | 18% | 11th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 11% | 13% | 16% | 11th | Census ACS 5-yr (2023) |
| Transfer-income dependency Share of personal income from government transfers | 12% | 24% | 27% | 4th | BEA Regional Personal Income (2023) |
| Legal Distress — domain score 40 · Rank 1,893 of 3,144 | |||||
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 108 | 119 | 126 | 40th | US Courts F-5A (2025) |
| Economic Vitality — domain score 84 · Rank 60 of 3,144 | |||||
| Wage-to-rent ratio Ratio of average weekly wage to fair-market rent | 2.5× | 3.0× | 4.0× | 3rd | BLS QCEW × HUD FMR (2024) |
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 29% | 27% | 21% | 93rd | HUD FMR × Census ACS (2024) |
| Business formation rate New business applications per 1,000 residents | 11.5 | 8.5 | 10.0 | 64th | Census Business Formation Statistics (2024) |
| House price change (yoy) House price index year-over-year change | 0% | 1% | 4% | 13th | FHFA HPI (2024) |
Five-Domain Breakdown
The CDI is a PCA-weighted composite of five statistically derived factors. Weights are proportional to each factor's share of explained variance across 3,144 counties.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. A score of 50 represents the national county median; higher scores indicate greater distress. The index is built from 21 indicators grouped into five statistically derived factors via principal component analysis (PCA); factor weights are proportional to each factor's share of explained variance (shown in the Five-Domain Breakdown above).
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Contra Costa County data — in under 60 seconds.
Draft wire copy 155-word AP-style article — use freely with attribution
CONTRA COSTA, Calif.. — Contra Costa County ranks 2,005th 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 43 out of 100 places Contra Costa in the "Normal" zone, the highest-distress category on the index. Among 3,144 U.S. counties scored, only 2004 rank worse. Within California, Contra Costa ranks 39th of 58 counties.
The index, which draws on 21 indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies housing cost burden as the primary driver in Contra Costa. 34% of owner households pay 30%+ of income on housing — above the national median of 24%.
"Contra Costa County sits at the national median, but the composition of its distress matters more than the composite score." said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Contra Costa County's CDI score, and what does it mean?
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How is the County Distress Index calculated?
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