Montmorency County, Michigan

County Distress Index: Serious · 67.5 | 9,678 people · 4th most distressed in Michigan

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Montmorency County, MI shows significant household financial distress with a score of 67.5 — 341st 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 4th of 83 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Montmorency County's primary driver is Employment & Wages at 86.5 — worse than roughly 87% of U.S. counties.

Employment & Wages Primary driver 86.5
Unemployment Rate 95
Wage-to-Rent Ratio 72
Business Formation Rate 92
Income & Poverty 83.2
Poverty Rate 77
Income vs. State Median 93
Child Poverty Rate 80
Housing Cost Burden 64.1
Rent-Burdened (30%+) 89
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 53
Homeownership Rate 5
Rent-to-Income Ratio 78
Community Vulnerability 59.3
Uninsured Rate 24
Disability Rate 95
Debt & Delinquency 44.4
Debt in Collections 53
Medical Debt 53
Student Loan Delinquency 46
Auto Loan Delinquency 16
Credit Card Delinquency 40
Bankruptcy Filing Rate 58

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Montmorency County
Montmorency County, MI 67.5 Serious
Oscoda County, MI 70.5 Serious +3.0
Crawford County, MI 56.0 Elevated -11.4
Alcona County, MI 53.0 Elevated -14.5
Cheboygan County, MI 52.5 Elevated -15.0
Alpena County, MI 51.5 Elevated -16.0
Presque Isle County, MI 47.0 Normal -20.5
Otsego County, MI 46.5 Normal -21.0

Population Peers

County Score Zone vs. Montmorency County
Clinch County, GA 67.4 Serious -0.1
Montgomery County, MS 67.6 Serious +0.2
Clinton County, KY 67.3 Serious -0.2
Emporia city, VA 67.7 Serious +0.2
Motley County, TX 67.7 Serious +0.2

Download Data

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Find Help in Montmorency County

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Free Legal Aid

Legal aid organizations serving Montmorency 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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