San Luis Obispo County, California
Above the national median for rent-to-income ratio — and 2.8× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
San Luis Obispo County, California ranks 2,101st most distressed in the United States on the County Distress Index. San Luis Obispo sits near the national median across major distress indicators. Its highest-scoring domain is Debt Burden (housing basis).
- 2,101st of 3,144 counties on the County Distress Index — 40.8 · moderate-low county distress, 47th in California.
- A rent-to-income ratio of 34% (U.S. median 21%). Rent-to-income ratio at the 99th percentile nationally. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Labor domain score 46 — weight 20.0% of the CDI composite. Source: American Default Research.
- Safety Net & Buffer domain score 24 — weight 20.0% of the CDI composite. Source: American Default Research.
- Default & Legal domain score 21 — weight 20.0% of the CDI composite. Source: American Default Research.
Neighbors span three CDI score labels. The 28-point drop to Santa Barbara County marks where the CA Coast distress corridor ends.
San Luis Obispo County has a moderate-low county distress score. The state rank and domain mix give the county-level context.
The CDI gives this county a moderate-low county distress label. The state rank and highest-scoring local domain add context that the composite alone cannot carry. Its highest-scoring domain is Debt Burden (housing basis).
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind San Luis Obispo County's CDI Score
Every number traces to a public source. San Luis Obispo County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | San Luis Obispo | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 16 · Rank 2,763 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 4% | 5% | 27th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 3% | 5% | 5% | 12th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 14% | 20% | 23% | 9th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 21 · Rank 2,748 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 12% | 18% | 23% | 8th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 95 | 119 | 126 | 33rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 97 · Rank 19 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 34% | 27% | 21% | 99th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 29% | 25% | 18% | 96th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 46 · Rank 1,645 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 46th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 24 · Rank 2,611 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 12% | 16% | 18% | 18th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 13% | 13% | 16% | 24th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 13% | 14% | 44th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 6% | 8% | 27th | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite San Luis Obispo County data — in under 60 seconds.
Draft wire copy 134-word AP-style article — use freely with attribution
SAN LUIS OBISPO, Calif. — San Luis Obispo County ranks 2,101st 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 40.8 out of 100 gives San Luis Obispo a moderate-low county distress label. Among 3,144 U.S. counties scored, 2,100 counties rank more distressed. Within California, San Luis Obispo ranks 47th of 58 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, finds San Luis Obispo sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is San Luis Obispo County's CDI score, and what does it mean?
What drives San Luis Obispo County's distress score?
How does San Luis Obispo County compare to its neighbors?
How is the County Distress Index calculated?
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