Larimer County, Colorado

County Distress Index: Normal · 36.4 | 370,771 people · 43rd most distressed in Colorado
American Default Research

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Larimer County, CO falls within the normal range for household financial distress at 36.4 — 2570th 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 43rd of 64 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Larimer County's primary driver is Housing Cost Burden at 86.5 — worse than roughly 87% of U.S. counties.

Housing Cost Burden Primary driver 86.5
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 88
Homeownership Rate 86
Rent-to-Income Ratio 70
Employment & Wages 42.0
Unemployment Rate 38
Wage-to-Rent Ratio 79
Business Formation Rate 10
Debt & Delinquency 23.3
Debt in Collections 12
Medical Debt 7
Student Loan Delinquency 17
Auto Loan Delinquency 26
Credit Card Delinquency 22
Bankruptcy Filing Rate 56
Community Vulnerability 16.0
Uninsured Rate 26
Disability Rate 6
Income & Poverty 14.1
Poverty Rate 22
Income vs. State Median 16
Child Poverty Rate 4

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Larimer County
Larimer County, CO 36.4 Normal —
Albany County, WY 43.6 Normal +7.2
Laramie County, WY 42.5 Normal +6.1
Weld County, CO 41.6 Normal +5.3
Grand County, CO 33.4 Healthy -3.0
Boulder County, CO 31.4 Healthy -4.9
Jackson County, CO 30.5 Healthy -5.9

Population Peers

County Score Zone vs. Larimer County
Will County, IL 36.4 Normal +0.0
Madison County, AL 36.5 Normal +0.1
Washington County, OR 36.1 Normal -0.3
Monmouth County, NJ 35.9 Normal -0.4
Albany County, NY 36.9 Normal +0.5

Download Data

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

Find Help in Larimer County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Larimer County.

NEIGHBOR TO NEIGHBOR
Fort Collins
970-484-7498 Website
Foreclosure PreventionPre-PurchaseHomebuyer EducationRental Help

See all counselors in Colorado →

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 Larimer 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.

Need legal help? Find a foreclosure defense attorney in Colorado →

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Frequently Asked Questions

  • What is the distress score for Larimer County, Colorado?

    Larimer County has a County Distress Index score of 36.4 out of 100, placing it in the Normal zone. It ranks 2,570th nationally out of 3,144 counties and 43rd in Colorado out of 64 counties.

  • What drives financial distress in Larimer County?

    The primary driver of distress in Larimer County is Housing Cost Burden, where the county scores 86.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Larimer County compare to neighboring counties?

    Larimer County (36.4) can be compared to its 6 neighboring counties: Albany County, WY (43.6); Laramie County, WY (42.5); Weld County, CO (41.6).

  • 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 Larimer County?

    Larimer County, Colorado has a population of approximately 370,771 (2023 Census estimate), classified as a large county.