Mono County, California

County Distress Index: Normal · 41.4 | 13,066 people · 50th most distressed in California
American Default Research

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Mono County, CA falls within the normal range for household financial distress at 41.4 — 2262nd nationally out of 3144 counties. The primary driver is Employment & Wages, where unemployment is elevated, wages are low relative to housing costs, and business formation lags. Within California, it ranks 50th of 58 counties. It scores lower than all 9 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Mono County's primary driver is Employment & Wages at 66.8 — above the national median.

Employment & Wages Primary driver 66.8
Unemployment Rate 69
Wage-to-Rent Ratio 95
Business Formation Rate 36
Housing Cost Burden 63.9
Rent-Burdened (30%+) 32
Severely Rent-Burdened (50%+) 56
Mortgage-Burdened (30%+) 83
Homeownership Rate 73
Rent-to-Income Ratio 75
Community Vulnerability 40.0
Uninsured Rate 75
Disability Rate 5
Income & Poverty 21.3
Poverty Rate 6
Income vs. State Median 44
Child Poverty Rate 13
Debt & Delinquency 15.1
Debt in Collections 8
Medical Debt 7
Student Loan Delinquency 43
Auto Loan Delinquency 7
Credit Card Delinquency 17
Bankruptcy Filing Rate 8

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

Neighbors and Peers

How Mono County compares to its 9 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Mono County
Mono County, CA 41.4 Normal —
Esmeralda County, NV 75.5 Serious +34.1
Mineral County, NV 71.1 Serious +29.7
Madera County, CA 69.8 Serious +28.4
Fresno County, CA 67.9 Serious +26.5
Tuolumne County, CA 61.1 Elevated +19.7
Lyon County, NV 57.0 Elevated +15.6
Inyo County, CA 50.1 Elevated +8.7
Alpine County, CA 47.9 Normal +6.5
Douglas County, NV 42.0 Normal +0.6

Population Peers

County Score Zone vs. Mono County
Pennington County, MN 41.4 Normal 0.0
Morrow County, OR 41.4 Normal +0.0
Salem city, VA 41.4 Normal +0.0
Humboldt County, NV 41.5 Normal +0.1
Bryan County, GA 41.5 Normal +0.1

Download Data

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

Find Help in Mono County

Find an Attorney

State Bar of California — Find a Lawyer offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of California — Find a Lawyer 1-866-442-2529

Free Legal Aid

Legal aid organizations serving Mono County residents at no cost.

Legal Aid Foundation of Los Angeles (LAFLA) 1-800-399-4529
Neighborhood Legal Services of Los Angeles County (NLSLA) 1-800-433-6251
Bay Area Legal Aid 1-800-551-5554
Legal Services of Northern California 1-800-822-9687
California Rural Legal Assistance (CRLA) 1-800-337-0690
Inland Counties Legal Services (ICLS) 1-888-245-4257
Legal Aid Society of San Diego 1-877-534-2524
Community Legal Aid SoCal 1-800-834-5001
California Indian Legal Services, Inc. (760) 746-8941
Central California Legal Services (800) 675-8001
Greater Bakersfield Legal Assistance, Inc. (661) 325-5943

Self-Help Resources

California Courts Self-Help — Foreclosure and Mortgage Help Official California courts self-help resource with information on foreclosure procedures, homeowner rights, tenant protections in foreclosure, and links to free legal help.
LawHelpCA — Foreclosure Prevention Statewide legal aid directory connecting Californians with free legal information and local legal aid providers for foreclosure prevention, including links to self-help guides and intake forms.
California Attorney General — Homeowner Bill of Rights Official AG page explaining HBOR protections, including fact sheets on dual-tracking prohibition, single point of contact, and how to file a complaint about servicer violations.
DFPI Mortgage Relief Resources DFPI consumer resources for housing and mortgage issues, including information on PACE financing, foreclosure scam alerts, and how to file complaints against licensees.

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Frequently Asked Questions

  • What is the distress score for Mono County, California?

    Mono County has a County Distress Index score of 41.4 out of 100, placing it in the Normal zone. It ranks 2,262nd nationally out of 3,144 counties and 50th in California out of 58 counties.

  • What drives financial distress in Mono County?

    The primary driver of distress in Mono County is Employment & Wages, where the county scores 66.8 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Mono County compare to neighboring counties?

    Mono County (41.4) can be compared to its 9 neighboring counties: Esmeralda County, NV (75.5); Mineral County, NV (71.1); Madera County, CA (69.8).

  • 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 Mono County?

    Mono County, California has a population of approximately 13,066 (2023 Census estimate), classified as a small county.