Clear Creek County, Colorado

County Distress Index: Healthy · 33.7 | 9,147 people · 50th most distressed in Colorado
American Default Research

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Clear Creek County, CO ranks among the least distressed counties in the country at 33.7 — 2716th 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 Colorado, it ranks 50th of 64 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Clear Creek County's primary driver is Housing Cost Burden at 69.3 — above the national median.

Housing Cost Burden Primary driver 69.3
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 68
Mortgage-Burdened (30%+) 88
Homeownership Rate 8
Rent-to-Income Ratio 87
Employment & Wages 39.6
Unemployment Rate 19
Wage-to-Rent Ratio 95
Business Formation Rate 5
Community Vulnerability 24.4
Uninsured Rate 39
Disability Rate 10
Debt & Delinquency 24.3
Debt in Collections 31
Medical Debt 7
Student Loan Delinquency 39
Auto Loan Delinquency 51
Credit Card Delinquency 11
Bankruptcy Filing Rate 7
Income & Poverty 10.9
Poverty Rate 6
Income vs. State Median 11
Child Poverty Rate 16

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

Neighbors and Peers

How Clear Creek County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Clear Creek County
Clear Creek County, CO 33.7 Healthy —
Gilpin County, CO 34.7 Healthy +1.0
Grand County, CO 33.4 Healthy -0.3
Jefferson County, CO 33.3 Healthy -0.4
Park County, CO 31.3 Healthy -2.5
Summit County, CO 31.0 Healthy -2.7

Population Peers

County Score Zone vs. Clear Creek County
Audubon County, IA 33.7 Healthy -0.0
Adams County, IA 33.8 Healthy +0.0
Hamilton County, KS 33.8 Healthy +0.0
Jerauld County, SD 33.7 Healthy -0.0
Chariton County, MO 33.8 Healthy +0.1

Download Data

Export all distress indicators for Clear Creek County as a CSV file.

Find Help in Clear Creek County

Find an Attorney

Colorado Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Colorado Bar Association — Lawyer Referral Service 303-831-8000

Free Legal Aid

Legal aid organizations serving Clear Creek County residents at no cost.

Colorado Legal Services 303-837-1313 (Denver); 1-866-529-6257 (statewide)
Colorado Volunteer Lawyer Resource (CVLR) 303-722-0300
Colorado Bar Association — Lawyer Referral Service 303-831-8000 (Denver); 1-800-332-6736 (statewide)

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 Clear Creek County, Colorado?

    Clear Creek County has a County Distress Index score of 33.7 out of 100, placing it in the Healthy zone. It ranks 2,716th nationally out of 3,144 counties and 50th in Colorado out of 64 counties.

  • What drives financial distress in Clear Creek County?

    The primary driver of distress in Clear Creek County is Housing Cost Burden, where the county scores 69.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Clear Creek County compare to neighboring counties?

    Clear Creek County (33.7) can be compared to its 5 neighboring counties: Gilpin County, CO (34.7); Grand County, CO (33.4); Jefferson County, CO (33.3).

  • 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 Clear Creek County?

    Clear Creek County, Colorado has a population of approximately 9,147 (2023 Census estimate), classified as a tiny county.