Charlevoix County, Michigan

County Distress Index: Healthy · 32.7 | 26,159 people · 76th most distressed in Michigan

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Charlevoix County, MI ranks among the least distressed counties in the country at 32.7 — 2771st nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Michigan, it ranks 76th of 83 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Charlevoix County's primary driver is Employment & Wages at 46.9 — above the national median.

Employment & Wages Primary driver 46.9
Unemployment Rate 85
Wage-to-Rent Ratio 17
Business Formation Rate 39
Housing Cost Burden 37.2
Rent-Burdened (30%+) 64
Severely Rent-Burdened (50%+) 53
Mortgage-Burdened (30%+) 56
Homeownership Rate 8
Rent-to-Income Ratio 5
Community Vulnerability 35.0
Uninsured Rate 31
Disability Rate 39
Debt & Delinquency 28.0
Debt in Collections 24
Medical Debt 31
Student Loan Delinquency 52
Auto Loan Delinquency 31
Credit Card Delinquency 21
Bankruptcy Filing Rate 10
Income & Poverty 16.3
Poverty Rate 13
Income vs. State Median 11
Child Poverty Rate 25

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

Neighbors and Peers

How Charlevoix County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Charlevoix County
Charlevoix County, MI 32.7 Healthy
Mackinac County, MI 56.9 Elevated +24.2
Schoolcraft County, MI 52.6 Elevated +19.9
Cheboygan County, MI 52.5 Elevated +19.8
Otsego County, MI 46.5 Normal +13.8
Antrim County, MI 37.9 Normal +5.2
Emmet County, MI 33.2 Healthy +0.5
Leelanau County, MI 25.3 Healthy -7.4

Population Peers

County Score Zone vs. Charlevoix County
Fairfax city, VA 32.7 Healthy -0.0
Jackson County, IA 32.7 Healthy +0.0
Currituck County, NC 32.6 Healthy -0.0
Jo Daviess County, IL 32.8 Healthy +0.1
Andrew County, MO 32.8 Healthy +0.1

Download Data

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

Find Help in Charlevoix County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Charlevoix County.

NORTHERN HOMES COMMUNITY DEVELOPMENT CORPORATION
Boyne City
Foreclosure PreventionFinancial CounselingFinancial CounselingPre-Purchase

Find an Attorney

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

Free Legal Aid

Legal aid organizations serving Charlevoix County residents at no cost.

Self-Help Resources

Michigan Legal Help — Foreclosure Self-help guides and interactive tools for Michigan foreclosure process and defenses
MSHDA Homeowner Resources Assistance programs, counselor referrals, and MIHAF information

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.