60.8 / 100
Elevated
774th of 3,144 counties nationally
23rd of 58 counties in California

San Bernardino County, CA registers elevated household financial distress with a score of 60.8 — 774th 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 California, it ranks 23rd of 58 counties. Its score is in the middle of its 8 neighboring counties.

Five-Domain Breakdown

How San Bernardino County compares to all U.S. counties across five dimensions of financial distress. Scores are percentile-based: 50 = national median, higher = more distressed.

Housing Cost Burden

Primary Driver
96.1
Rent-Burdened (30%+)
99
Severely Rent-Burdened (50%+)
96
Mortgage-Burdened (30%+)
97
Homeownership Rate
91
Rent-to-Income Ratio
97

Employment & Wages

72.0
Unemployment Rate
82
Wage-to-Rent Ratio
98
Business Formation Rate
37

Debt & Delinquency

56.8
Debt in Collections
58
Medical Debt
7
Student Loan Delinquency
58
Auto Loan Delinquency
67
Credit Card Delinquency
78
Bankruptcy Filing Rate
74

Income & Poverty

44.9
Poverty Rate
47
Income vs. State Median
40
Child Poverty Rate
48

Community Vulnerability

34.3
Uninsured Rate
54
Disability Rate
15

How San Bernardino County Compares

Neighboring Counties

County Score Zone Difference
San Bernardino County, CA 60.8 Elevated
Kern County, CA 69.1 Serious Stress +8.3
Mohave County, AZ 68.3 Serious Stress +7.5
La Paz County, AZ 67.2 Serious Stress +6.4
Clark County, NV 65.6 Serious Stress +4.8
Riverside County, CA 56.0 Elevated -4.8

Population Peers

Counties with similar population (metro) and closest distress scores nationally.

County Score Zone Difference
Dallas County, TX 60.3 Elevated -0.5
Orange County, FL 59.5 Elevated -1.3
Hillsborough County, FL 59.2 Elevated -1.6
Harris County, TX 59.2 Elevated -1.6
Broward County, FL 59.1 Elevated -1.8

Download Data

Export all distress indicators for San Bernardino County as a CSV file.

Resources

San Bernardino County scores in the Elevated zone. If you or someone you know is experiencing financial hardship, free help is available.

Frequently Asked Questions

What is the distress score for San Bernardino County, California?

San Bernardino County has a County Distress Index score of 60.8 out of 100, placing it in the Elevated zone. It ranks 774th nationally out of 3,144 counties and 23rd in California out of 58 counties.

What drives financial distress in San Bernardino County?

The primary driver of distress in San Bernardino County is Housing Cost Burden, where the county scores 96.1 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

How does San Bernardino County compare to neighboring counties?

San Bernardino County (60.8) can be compared to its 5 neighboring counties: Kern County, CA (69.1); Mohave County, AZ (68.3); La Paz County, AZ (67.2).

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 San Bernardino County?

San Bernardino County, California has a population of approximately 2,195,611 (2023 Census estimate), classified as a metro county.

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If you're struggling with debt or facing foreclosure, free help is available. Find help near you · Browse the Glossary · The U.S. Department of Housing and Urban Development provides HUD-approved housing counselors at no cost. You can also call 1-800-569-4287.