Mineral County, Colorado
More than double the national median for rent-to-income ratio — and 3.6× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Mineral County, Colorado ranks 1,398th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 43% — more than double the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis).
- 1,398th of 3,144 counties on the County Distress Index — 53.5 · moderate county distress, 15th in Colorado.
- A rent-to-income ratio of 43% (U.S. median 21%). Rent-to-income ratio at the 95th percentile nationally. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Unemployment at 4% — national median 4%, ranked at the 70th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Uninsured rate at 16% — national median 8%, ranked at the 90th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Default & Legal domain score 32 — weight 20.0% of the CDI composite. Source: American Default Research.
Neighbors span two CDI score labels. The 31-point drop to Archuleta County marks where the Colorado distress corridor ends.
Mineral County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Debt Burden (housing basis).
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Mineral County's disability rate indicator is at the 7th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 18th percentile. The gap stands out against median household income and uninsured rate. Worth a call to the source agency or a local subject-matter contact in Creede.
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 Mineral County's CDI Score
Every number traces to a public source. Mineral County's value shown alongside CO's median and the U.S. median. Full CSV available for download.
| Indicator | Mineral | CO median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 20 · Rank 2,611 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 3% | 5% | 22nd | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 4% | 5% | 32nd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 11% | 19% | 23% | 5th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 32 · Rank 2,335 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 15% | 15% | 23% | 21st | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 113 | 113 | 126 | 42nd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 95 · Rank 51 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 43% | 23% | 21% | 95th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 31% | 20% | 18% | 95th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 70 · Rank 902 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 70th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 51 · Rank 1,544 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 17% | 16% | 18% | 46th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 11% | 12% | 16% | 7th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 10% | 11% | 14% | 18th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 16% | 8% | 8% | 90th | 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 Mineral County data — in under 60 seconds.
Draft wire copy 129-word AP-style article — use freely with attribution
CREEDE, Colo. — Mineral County ranks 1,398th 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 53.5 out of 100 gives Mineral a moderate county distress label. Among 3,144 U.S. counties scored, 1,397 counties rank more distressed. Within Colorado, Mineral ranks 15th of 64 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, identifies debt burden (housing basis) as the primary driver in Mineral. A rent-to-income ratio of 43% — more than double the national median of 21%.
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 Mineral County's CDI score, and what does it mean?
What drives Mineral County's distress score?
How does Mineral County compare to its neighbors?
How is the County Distress Index calculated?
Mineral County resident looking for help? HUD counselors, legal aid, and attorney referrals →