Emmet County, Michigan

County Distress Index: Healthy · 33.2 | 34,123 people · 75th most distressed in Michigan

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Emmet County, MI ranks among the least distressed counties in the country at 33.2 — 2747th nationally out of 3144 counties. The primary driver is Employment & Wages, where unemployment is elevated, wages are low relative to housing costs, and business formation lags. Within Michigan, it ranks 75th of 83 counties. Among its 3 neighboring counties, 2 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Emmet County's primary driver is Employment & Wages at 65.4 — above the national median.

Employment & Wages Primary driver 65.4
Unemployment Rate 92
Wage-to-Rent Ratio 64
Business Formation Rate 41
Housing Cost Burden 39.6
Rent-Burdened (30%+) 43
Severely Rent-Burdened (50%+) 27
Mortgage-Burdened (30%+) 62
Homeownership Rate 37
Rent-to-Income Ratio 30
Community Vulnerability 28.4
Uninsured Rate 24
Disability Rate 33
Debt & Delinquency 19.2
Debt in Collections 16
Medical Debt 20
Student Loan Delinquency 22
Auto Loan Delinquency 13
Credit Card Delinquency 18
Bankruptcy Filing Rate 27
Income & Poverty 13.5
Poverty Rate 16
Income vs. State Median 12
Child Poverty Rate 13

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

Neighbors and Peers

How Emmet County compares to its 3 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Emmet County
Emmet County, MI 33.2 Healthy
Mackinac County, MI 56.9 Elevated +23.7
Cheboygan County, MI 52.5 Elevated +19.3
Charlevoix County, MI 32.7 Healthy -0.5

Population Peers

County Score Zone vs. Emmet County
Custer County, NE 33.3 Healthy +0.1
Elk County, PA 33.3 Healthy +0.1
Gunnison County, CO 33.1 Healthy -0.1
DeKalb County, IN 33.1 Healthy -0.1
Grand County, CO 33.4 Healthy +0.2

Download Data

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Find Help in Emmet County

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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 Emmet 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

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