Tuolumne County, California

County Distress Index: Elevated · 61.1 | 54,204 people · 21st most distressed in California
American Default Research

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Tuolumne County, CA registers elevated household financial distress with a score of 61.1 — 742nd 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 21st of 58 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Tuolumne County's primary driver is Housing Cost Burden at 86.0 — worse than roughly 86% of U.S. counties.

Housing Cost Burden Primary driver 86.0
Rent-Burdened (30%+) 98
Severely Rent-Burdened (50%+) 94
Mortgage-Burdened (30%+) 100
Homeownership Rate 52
Rent-to-Income Ratio 87
Employment & Wages 82.8
Unemployment Rate 85
Wage-to-Rent Ratio 87
Business Formation Rate 77
Community Vulnerability 56.7
Uninsured Rate 27
Disability Rate 86
Income & Poverty 42.8
Poverty Rate 24
Income vs. State Median 76
Child Poverty Rate 28
Debt & Delinquency 37.5
Debt in Collections 32
Medical Debt 7
Student Loan Delinquency 43
Auto Loan Delinquency 35
Credit Card Delinquency 39
Bankruptcy Filing Rate 70

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

Neighbors and Peers

How Tuolumne County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Tuolumne County
Tuolumne County, CA 61.1 Elevated —
Madera County, CA 69.8 Serious +8.6
Mariposa County, CA 65.3 Serious +4.2
Stanislaus County, CA 59.5 Elevated -1.6
Calaveras County, CA 58.0 Elevated -3.2
Alpine County, CA 47.9 Normal -13.3
Mono County, CA 41.4 Normal -19.7

Population Peers

County Score Zone vs. Tuolumne County
Sutter County, CA 61.2 Elevated +0.0
Atascosa County, TX 61.1 Elevated -0.1
Coryell County, TX 61.2 Elevated +0.1
Randolph County, NC 61.0 Elevated -0.1
Carroll County, GA 61.3 Elevated +0.2

Download Data

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

Find Help in Tuolumne 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 Tuolumne 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.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

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

    Tuolumne County has a County Distress Index score of 61.1 out of 100, placing it in the Elevated zone. It ranks 742nd nationally out of 3,144 counties and 21st in California out of 58 counties.

  • What drives financial distress in Tuolumne County?

    The primary driver of distress in Tuolumne County is Housing Cost Burden, where the county scores 86.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Tuolumne County compare to neighboring counties?

    Tuolumne County (61.1) can be compared to its 6 neighboring counties: Madera County, CA (69.8); Mariposa County, CA (65.3); Stanislaus County, CA (59.5).

  • 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 Tuolumne County?

    Tuolumne County, California has a population of approximately 54,204 (2023 Census estimate), classified as a mid county.