Pasco County, Florida

County Distress Index: Elevated · 58.4 | 632,996 people · 43rd most distressed in Florida
American Default Research

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Pasco County, FL registers elevated household financial distress with a score of 58.4 — 949th 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 Florida, it ranks 43rd of 67 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Pasco County's primary driver is Housing Cost Burden at 79.9 — worse than roughly 80% of U.S. counties.

Housing Cost Burden Primary driver 79.9
Rent-Burdened (30%+) 94
Severely Rent-Burdened (50%+) 84
Mortgage-Burdened (30%+) 79
Homeownership Rate 44
Rent-to-Income Ratio 98
Community Vulnerability 63.0
Uninsured Rate 69
Disability Rate 57
Debt & Delinquency 62.2
Debt in Collections 58
Medical Debt 52
Student Loan Delinquency 62
Auto Loan Delinquency 59
Credit Card Delinquency 61
Bankruptcy Filing Rate 81
Employment & Wages 61.2
Unemployment Rate 80
Wage-to-Rent Ratio 98
Business Formation Rate 6
Income & Poverty 25.8
Poverty Rate 24
Income vs. State Median 32
Child Poverty Rate 21

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Pasco County
Pasco County, FL 58.4 Elevated —
Polk County, FL 66.5 Serious +8.1
Hernando County, FL 66.2 Serious +7.8
Hillsborough County, FL 59.2 Elevated +0.8
Pinellas County, FL 57.7 Elevated -0.7
Sumter County, FL 50.2 Elevated -8.2

Population Peers

County Score Zone vs. Pasco County
Providence County, RI 58.4 Elevated -0.0
Lucas County, OH 58.5 Elevated +0.1
Marion County, OR 58.2 Elevated -0.2
Milwaukee County, WI 58.2 Elevated -0.2
Prince George's County, MD 58.1 Elevated -0.3

Download Data

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

Find Help in Pasco County

Find an Attorney

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

The Florida Bar — Lawyer Referral Service 1-800-342-8011

Free Legal Aid

Legal aid organizations serving Pasco County residents at no cost.

Florida Rural Legal Services (FRLS) 1-239-334-4554
Legal Services of Greater Miami (LSGMI) 1-305-576-0080
Coast to Coast Legal Aid of South Florida 1-954-736-2400
Community Legal Services of Mid-Florida (CLSMF) 1-800-405-1417
Bay Area Legal Services 1-800-625-2257
Legal Services of North Florida 1-850-385-9007
Three Rivers Legal Services 1-866-256-8091

Self-Help Resources

The Florida Bar — Foreclosure Crisis Help for Consumers Official Florida Bar resource page for homeowners facing foreclosure, including information on finding an attorney, legal aid referrals, and understanding the foreclosure process.
Florida Courts — Residential Mortgage Foreclosure Cases Florida Supreme Court page with information on residential mortgage foreclosure cases, including links to administrative orders, mediation resources, and the Managed Mediation program.
Florida AG — Resources Available to Distressed Homeowners Florida Attorney General's office page with resources for distressed homeowners, including information on mortgage fraud, foreclosure rescue scams, and how to file complaints.
Florida LawHelp Statewide legal aid directory connecting Floridians with free legal information and local legal aid providers for foreclosure prevention and other civil legal needs.

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 Florida →

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Frequently Asked Questions

  • What is the distress score for Pasco County, Florida?

    Pasco County has a County Distress Index score of 58.4 out of 100, placing it in the Elevated zone. It ranks 949th nationally out of 3,144 counties and 43rd in Florida out of 67 counties.

  • What drives financial distress in Pasco County?

    The primary driver of distress in Pasco County is Housing Cost Burden, where the county scores 79.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Pasco County compare to neighboring counties?

    Pasco County (58.4) can be compared to its 5 neighboring counties: Polk County, FL (66.5); Hernando County, FL (66.2); Hillsborough County, FL (59.2).

  • 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 Pasco County?

    Pasco County, Florida has a population of approximately 632,996 (2023 Census estimate), classified as a large county.