Kootenai County, Idaho

County Distress Index: Normal · 45.1 | 185,010 people · 20th most distressed in Idaho
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Kootenai County, ID falls within the normal range for household financial distress at 45.1 — 1980th 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 Idaho, it ranks 20th of 44 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Kootenai County's primary driver is Housing Cost Burden at 73.7 — above the national median.

Housing Cost Burden Primary driver 73.7
Rent-Burdened (30%+) 88
Severely Rent-Burdened (50%+) 58
Mortgage-Burdened (30%+) 83
Homeownership Rate 61
Rent-to-Income Ratio 78
Employment & Wages 53.9
Unemployment Rate 69
Wage-to-Rent Ratio 88
Business Formation Rate 4
Community Vulnerability 52.0
Uninsured Rate 62
Disability Rate 42
Debt & Delinquency 27.6
Debt in Collections 19
Medical Debt 18
Student Loan Delinquency 34
Auto Loan Delinquency 10
Credit Card Delinquency 20
Bankruptcy Filing Rate 64
Income & Poverty 18.1
Poverty Rate 15
Income vs. State Median 26
Child Poverty Rate 14

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Kootenai County
Kootenai County, ID 45.1 Normal —
Shoshone County, ID 64.9 Elevated +19.9
Benewah County, ID 52.9 Elevated +7.9
Spokane County, WA 47.3 Normal +2.2
Bonner County, ID 45.7 Normal +0.6

Population Peers

County Score Zone vs. Kootenai County
Strafford County, NH 45.1 Normal +0.0
Lonoke County, AR 45.1 Normal +0.1
Paulding County, GA 45.1 Normal +0.1
Black Hawk County, IA 45.0 Normal -0.1
Catawba County, NC 45.0 Normal -0.1

Download Data

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

Find Help in Kootenai County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Kootenai County.

IDAHO HOUSING AND FINANCE ASSOCIATION--COEUR D'ALENE BRANCH OFFICE
Coeur D Alene
877-695-2655 Website
Foreclosure PreventionHomeless/DisplacementPre-PurchaseHomebuyer Education

See all counselors in Idaho →

Find an Attorney

Idaho State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Idaho State Bar Lawyer Referral Service 208-334-4500

Free Legal Aid

Legal aid organizations serving Kootenai County residents at no cost.

Idaho Legal Aid Services, Inc. 208-336-8980
Idaho Volunteer Lawyers Program 208-334-4500

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 Idaho →

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Frequently Asked Questions

  • What is the distress score for Kootenai County, Idaho?

    Kootenai County has a County Distress Index score of 45.1 out of 100, placing it in the Normal zone. It ranks 1,980th nationally out of 3,144 counties and 20th in Idaho out of 44 counties.

  • What drives financial distress in Kootenai County?

    The primary driver of distress in Kootenai County is Housing Cost Burden, where the county scores 73.7 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Kootenai County compare to neighboring counties?

    Kootenai County (45.1) can be compared to its 4 neighboring counties: Shoshone County, ID (64.9); Benewah County, ID (52.9); Spokane County, WA (47.3).

  • 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 Kootenai County?

    Kootenai County, Idaho has a population of approximately 185,010 (2023 Census estimate), classified as a mid county.