County Data

Michigan County Distress Index

Financial distress scores for all 83 counties in Michigan, scored 0–100 across five domains. Mean score: 45.0. 3counties are in Serious or Crisis.

Data: Census, BLS, Urban Institute, HUD, US Courts | Scores as of 2026-03-26

Michigan Snapshot

83 Counties Scored
45.0 Mean Score
46.3 Median Score
76.2 Wayne County Most Distressed
18.7 Leelanau County Least Distressed
3 Serious 25 Elevated 38 Normal 17 Healthy
Zone Distribution

Michigan County Map

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Healthy Normal Elevated Serious Crisis

All 83 Michigan counties colored by distress zone. Hover for details; click released counties for full reports.

Most & Least Distressed

Most Distressed

#1 Wayne County
76.2 Serious
Consumer Credit Distress
#2 Genesee County
68.2 Serious
Consumer Credit Distress
#3 Calhoun County
65.1 Serious
Consumer Credit Distress

Least Distressed

#83 Leelanau County
18.7 Healthy
Housing Cost Burden
#82 Livingston County
26.6 Healthy
Housing Cost Burden
#81 Emmet County
27.1 Healthy
Housing Cost Burden

Score Distribution

How Michigan's 83 county scores are distributed across the 0–100 scale.

All Michigan Counties

83 counties ranked by distress score. Click column headers to sort.

State Rank Nat'l Rank County Score Zone Primary Driver
1 152 Wayne County 76.2 Serious Consumer Credit Distress
2 479 Genesee County 68.2 Serious Consumer Credit Distress
3 637 Calhoun County 65.1 Serious Consumer Credit Distress
4 766 Saginaw County 63.1 Elevated Consumer Credit Distress
5 950 Clare County 60.0 Elevated Consumer Credit Distress
6 966 Isabella County 59.8 Elevated Consumer Credit Distress
7 1,026 Lake County 58.9 Elevated Consumer Credit Distress
8 1,047 Jackson County 58.5 Elevated Consumer Credit Distress
9 1,084 Muskegon County 57.8 Elevated Consumer Credit Distress
10 1,147 Oscoda County 57.0 Elevated Consumer Credit Distress
11 1,154 Ingham County 56.8 Elevated Consumer Credit Distress
12 1,157 Montmorency County 56.8 Elevated Consumer Credit Distress
13 1,283 Ogemaw County 54.9 Elevated Housing Cost Burden
14 1,297 St. Clair County 54.6 Elevated Consumer Credit Distress
15 1,301 Osceola County 54.5 Elevated Consumer Credit Distress
16 1,323 Mecosta County 54.4 Elevated Consumer Credit Distress
17 1,342 Kalkaska County 54.0 Elevated Consumer Credit Distress
18 1,343 Macomb County 54.0 Elevated Consumer Credit Distress
19 1,440 Roscommon County 52.2 Elevated Consumer Credit Distress
20 1,442 Wexford County 52.2 Elevated Consumer Credit Distress
21 1,448 Kalamazoo County 52.1 Elevated Consumer Credit Distress
22 1,465 Lenawee County 51.8 Elevated Consumer Credit Distress
23 1,466 Branch County 51.8 Elevated Consumer Credit Distress
24 1,471 Arenac County 51.6 Elevated Consumer Credit Distress
25 1,475 Shiawassee County 51.6 Elevated Consumer Credit Distress
26 1,528 Berrien County 50.8 Elevated Consumer Credit Distress
27 1,547 Luce County 50.4 Elevated Consumer Credit Distress
28 1,576 Crawford County 50.0 Elevated Consumer Credit Distress
29 1,635 Otsego County 49.1 Normal Consumer Credit Distress
30 1,638 Gogebic County 49.1 Normal Consumer Credit Distress
31 1,644 Van Buren County 49.0 Normal Consumer Credit Distress
32 1,652 Lapeer County 48.9 Normal Housing Cost Burden
33 1,659 Monroe County 48.8 Normal Consumer Credit Distress
34 1,685 Hillsdale County 48.4 Normal Consumer Credit Distress
35 1,704 Ionia County 48.2 Normal Consumer Credit Distress
36 1,737 St. Joseph County 47.6 Normal Consumer Credit Distress
37 1,743 Iron County 47.6 Normal Consumer Credit Distress
38 1,755 Gratiot County 47.4 Normal Consumer Credit Distress
39 1,773 Montcalm County 47.1 Normal Consumer Credit Distress
40 1,788 Manistee County 46.8 Normal Housing Cost Burden
41 1,820 Missaukee County 46.4 Normal Consumer Credit Distress
42 1,824 Cass County 46.3 Normal Consumer Credit Distress
43 1,838 Gladwin County 46.1 Normal Consumer Credit Distress
44 1,852 Tuscola County 45.9 Normal Consumer Credit Distress
45 1,919 Bay County 44.7 Normal Consumer Credit Distress
46 1,953 Newaygo County 44.0 Normal Consumer Credit Distress
47 1,975 Chippewa County 43.7 Normal Consumer Credit Distress
48 1,992 Kent County 43.4 Normal Housing Cost Burden
49 2,001 Iosco County 43.2 Normal Consumer Credit Distress
50 2,041 Sanilac County 42.5 Normal Consumer Credit Distress
51 2,075 Washtenaw County 41.8 Normal Housing Cost Burden
52 2,088 Cheboygan County 41.7 Normal Housing Cost Burden
53 2,143 Eaton County 40.8 Normal Consumer Credit Distress
54 2,180 Dickinson County 40.2 Normal Consumer Credit Distress
55 2,181 Menominee County 40.2 Normal Consumer Credit Distress
56 2,212 Mason County 39.7 Normal Consumer Credit Distress
57 2,247 Schoolcraft County 39.1 Normal Consumer Credit Distress
58 2,264 Marquette County 38.9 Normal Housing Cost Burden
59 2,312 Delta County 37.9 Normal Consumer Credit Distress
60 2,315 Oakland County 37.9 Normal Housing Cost Burden
61 2,344 Alpena County 37.4 Normal Consumer Credit Distress
62 2,347 Houghton County 37.4 Normal Housing Cost Burden
63 2,410 Midland County 36.3 Normal Housing Cost Burden
64 2,425 Ontonagon County 35.9 Normal Structural Poverty
65 2,434 Keweenaw County 35.8 Normal Consumer Credit Distress
66 2,444 Barry County 35.6 Normal Consumer Credit Distress
67 2,475 Mackinac County 35.0 Healthy Consumer Credit Distress
68 2,494 Alcona County 34.7 Healthy Structural Poverty
69 2,502 Grand Traverse County 34.5 Healthy Housing Cost Burden
70 2,507 Oceana County 34.3 Healthy Consumer Credit Distress
71 2,589 Huron County 33.0 Healthy Consumer Credit Distress
72 2,603 Ottawa County 32.7 Healthy Housing Cost Burden
73 2,634 Benzie County 32.3 Healthy Housing Cost Burden
74 2,654 Allegan County 31.9 Healthy Consumer Credit Distress
75 2,729 Antrim County 30.5 Healthy Consumer Credit Distress
76 2,730 Presque Isle County 30.5 Healthy Structural Poverty
77 2,766 Alger County 29.9 Healthy Consumer Credit Distress
78 2,784 Charlevoix County 29.5 Healthy Consumer Credit Distress
79 2,809 Clinton County 28.8 Healthy Housing Cost Burden
80 2,813 Baraga County 28.7 Healthy Consumer Credit Distress
81 2,889 Emmet County 27.1 Healthy Housing Cost Burden
82 2,909 Livingston County 26.6 Healthy Housing Cost Burden
83 3,092 Leelanau County 18.7 Healthy Housing Cost Burden

How County Scores Work

Each county is scored 0–100 using PCA-weighted percentile-rank scoring across five statistically derived dimensions: Consumer Credit Distress, Housing Cost Burden, Structural Poverty, Economic Vitality, and Legal Distress. A score of 50 means the county falls at the national median. Higher scores indicate greater household financial distress.

Crisis (≥80) — Among the most distressed counties in the country
Serious (65–80) — More distressed than roughly 80% of counties
Elevated (50–65) — More distressed than roughly half of counties
Normal (35–50) — Near the national median
Healthy (<35) — Less distressed than most counties

Full CDI methodology and data sources

Michigan Resources

Michigan State Profile

State ADI score: 55.8 (Elevated). Debt, delinquency, and economic indicators for Michigan.

Find Help in Michigan

HUD-approved housing counselors, legal aid offices, credit counselors, and debtor education providers in Michigan.

Michigan Foreclosure Laws

Foreclosure process, timeline, homeowner protections, and legal resources in Michigan.

State Distress Rankings

All 51 U.S. jurisdictions ranked by financial distress. Compare Michigan to the rest of the country.

National County Profiles

All 3,144 U.S. counties ranked by financial distress score.
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