Morgan County, Colorado

County Distress Index: Normal · 45.3 | 29,524 people · 24th most distressed in Colorado
American Default Research

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Morgan County, CO falls within the normal range for household financial distress at 45.3 — 1956th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Colorado, it ranks 24th of 64 counties. Its score is in the middle of its 4 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Morgan County's primary driver is Housing Cost Burden at 58.5 — above the national median.

Housing Cost Burden Primary driver 58.5
Rent-Burdened (30%+) 44
Severely Rent-Burdened (50%+) 52
Mortgage-Burdened (30%+) 70
Homeownership Rate 84
Rent-to-Income Ratio 43
Income & Poverty 47.2
Poverty Rate 41
Income vs. State Median 66
Child Poverty Rate 35
Debt & Delinquency 46.9
Debt in Collections 43
Medical Debt 7
Student Loan Delinquency 57
Auto Loan Delinquency 42
Credit Card Delinquency 70
Bankruptcy Filing Rate 64
Community Vulnerability 37.5
Uninsured Rate 70
Disability Rate 5
Employment & Wages 36.3
Unemployment Rate 41
Wage-to-Rent Ratio 46
Business Formation Rate 22

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

Neighbors and Peers

How Morgan County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Morgan County
Morgan County, CO 45.3 Normal —
Logan County, CO 50.9 Elevated +5.6
Adams County, CO 49.8 Normal +4.5
Washington County, CO 42.0 Normal -3.3
Weld County, CO 41.6 Normal -3.7

Population Peers

County Score Zone vs. Morgan County
Greene County, GA 45.3 Normal +0.0
Bennington County, VT 45.3 Normal -0.0
Manassas Park city, VA 45.3 Normal +0.0
Houghton County, MI 45.3 Normal +0.0
Jerome County, ID 45.4 Normal +0.1

Download Data

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

Find Help in Morgan County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Morgan County.

NORTHEAST COLORADO HOUSING, INC.
Fort Morgan
970-542-1221 Website
Foreclosure PreventionFinancial CounselingHome Improvement/RehabPre-Purchase

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 Morgan 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 Morgan County, Colorado?

    Morgan County has a County Distress Index score of 45.3 out of 100, placing it in the Normal zone. It ranks 1,956th nationally out of 3,144 counties and 24th in Colorado out of 64 counties.

  • What drives financial distress in Morgan County?

    The primary driver of distress in Morgan County is Housing Cost Burden, where the county scores 58.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Morgan County compare to neighboring counties?

    Morgan County (45.3) can be compared to its 4 neighboring counties: Logan County, CO (50.9); Adams County, CO (49.8); Washington County, CO (42.0).

  • 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 Morgan County?

    Morgan County, Colorado has a population of approximately 29,524 (2023 Census estimate), classified as a small county.