Fresno County, California
Above the national median for subprime credit share.
Main Findings
Fresno County, California ranks 545th most distressed in the United States on the County Distress Index. The driver: 29% of residents carry subprime credit (score below 660) — above the national median of 23%.
- 545th of 3,144 counties on the County Distress Index — Serious zone, 6th in California.
- 29% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 71st percentile nationally.
- Homeownership rate at 55% — national median 74%, ranked at the 4th percentile.
- Rent-to-income ratio at 28% — national median 21%, ranked at the 91st percentile.
- Unemployment at 9% — national median 4%, ranked at the 97th percentile.
Neighbors span four CDI zones. The 36-point drop to Mono County marks where the Central Valley distress corridor ends.
"The distress in Fresno County is the everyday kind: a household balance sheet bending under housing and health costs, not collapsing under job loss."
"Serious-zone counties are where the cost curve is accelerating faster than wages can keep up. The distress reads like a housing story first, a credit story second."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Fresno County's medical debt in collections indicator is at the 7th percentile — while every other indicator in the Consumer Credit Distress domain is above the 50th. The gap stands out against the other credit indicators. Worth a call to Urban Institute or a local credit counselor in Fresno County.
The Indicators Behind Fresno County's CDI Score
Every number traces to a public source. Fresno County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | Fresno | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Consumer Credit Distress — domain score 53 · Rank 1,451 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 23% | 18% | 23% | 50th | 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 | 6% | 4% | 5% | 61st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 5% | 5% | 71st | Urban Institute (2024) |
| Uninsured rate Share of residents without health insurance coverage | 7% | 6% | 8% | 40th | Census ACS 5-yr (2023) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 20% | 23% | 71st | Urban Institute (2024) |
| Housing Cost Burden — domain score 94 · Rank 46 of 3,144 | |||||
| Rent burden (30%+) Share of renter households paying 30%+ of income on rent | 52% | 49% | 38% | 95th | Census ACS 5-yr (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 28% | 25% | 18% | 94th | Census ACS 5-yr (2023) |
| Owner housing burden Share of owner households paying 30%+ of income on housing | 30% | 31% | 24% | 90th | Census ACS 5-yr (2023) |
| Homeownership rate Share of occupied housing units that are owner-occupied | 55% | 63% | 74% | 4th | Census ACS 5-yr (2023) |
| Structural Poverty — domain score 66 · Rank 902 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 9% | 6% | 4% | 97th | BLS LAUS (Dec 2025) |
| Poverty rate Share of population below the federal poverty line | 18% | 13% | 14% | 77th | Census SAIPE (2023) |
| Household income relative to state Median household income as share of state median | 0.88× | 1.00× | 1.00× | 21st | Census SAIPE (2023) |
| Child poverty rate Share of children under 18 below the federal poverty line | 23% | 16% | 18% | 75th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 13% | 13% | 16% | 25th | Census ACS 5-yr (2023) |
| Transfer-income dependency Share of personal income from government transfers | 27% | 24% | 27% | 50th | BEA Regional Personal Income (2023) |
| Legal Distress — domain score 56 · Rank 1,385 of 3,144 | |||||
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 140 | 119 | 126 | 56th | US Courts F-5A (2025) |
| Economic Vitality — domain score 83 · Rank 78 of 3,144 | |||||
| Wage-to-rent ratio Ratio of average weekly wage to fair-market rent | 2.9× | 3.0× | 4.0× | 9th | BLS QCEW × HUD FMR (2024) |
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 27% | 21% | 91st | HUD FMR × Census ACS (2024) |
| Business formation rate New business applications per 1,000 residents | 9.4 | 8.5 | 10.0 | 42nd | Census Business Formation Statistics (2024) |
| House price change (yoy) House price index year-over-year change | 2% | 1% | 4% | 33rd | 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 Fresno County data — in under 60 seconds.
Draft wire copy 153-word AP-style article — use freely with attribution
FRESNO, Calif.. — Fresno County ranks 545th 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 67 out of 100 places Fresno in the "Serious" zone, the highest-distress category on the index. Among 3,144 U.S. counties scored, only 544 rank worse. Within California, Fresno ranks sixth 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 consumer credit distress as the primary driver in Fresno. 29% of residents carry subprime credit (score below 660) — above the national median of 23%.
"The distress in Fresno County is the everyday kind: a household balance sheet bending under housing and health costs, not collapsing under job loss." 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 Fresno County's CDI score, and what does it mean?
What drives Fresno County's distress score?
How does Fresno County compare to its neighbors?
How is the County Distress Index calculated?
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