Roscommon County, Michigan

County Distress Index: Elevated · 61.7 | 23,863 people · 8th most distressed in Michigan
American Default Research

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Roscommon County, MI registers elevated household financial distress with a score of 61.7 — 703rd 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 8th of 83 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Roscommon County's primary driver is Employment & Wages at 86.4 — worse than roughly 86% of U.S. counties.

Employment & Wages Primary driver 86.4
Unemployment Rate 97
Wage-to-Rent Ratio 77
Business Formation Rate 85
Income & Poverty 75.0
Poverty Rate 66
Income vs. State Median 74
Child Poverty Rate 85
Community Vulnerability 53.5
Uninsured Rate 13
Disability Rate 94
Debt & Delinquency 46.9
Debt in Collections 32
Medical Debt 31
Student Loan Delinquency 55
Auto Loan Delinquency 20
Credit Card Delinquency 60
Bankruptcy Filing Rate 85
Housing Cost Burden 46.9
Rent-Burdened (30%+) 75
Severely Rent-Burdened (50%+) 81
Mortgage-Burdened (30%+) 20
Homeownership Rate 4
Rent-to-Income Ratio 54

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Roscommon County
Roscommon County, MI 61.7 Elevated —
Oscoda County, MI 70.5 Serious +8.7
Clare County, MI 69.7 Serious +8.0
Ogemaw County, MI 63.7 Elevated +2.0
Gladwin County, MI 59.6 Elevated -2.1
Crawford County, MI 56.0 Elevated -5.7
Kalkaska County, MI 54.2 Elevated -7.6
Missaukee County, MI 48.8 Normal -12.9

Population Peers

County Score Zone vs. Roscommon County
Sevier County, AR 61.7 Elevated -0.0
Gulf County, FL 61.8 Elevated +0.0
Labette County, KS 61.7 Elevated -0.1
Putnam County, GA 61.8 Elevated +0.1
Perry County, KY 61.8 Elevated +0.1

Download Data

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

Find Help in Roscommon County

Find an Attorney

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

State Bar of Michigan Lawyer Referral Service 1-800-968-0738

Free Legal Aid

Legal aid organizations serving Roscommon County residents at no cost.

Legal Aid & Defender Association of Detroit 313-967-5555
Michigan Legal Help / Wolverine Legal Aid
Neighborhood Legal Services of Michigan 248-548-3838
Michigan Advocacy Program 616-774-0672
Legal Services of South Central Michigan 734-665-6181
Lakeshore Legal Aid (888) 783-8190
Legal Aid of Western Michigan (616) 774-0672
Legal Services of Eastern Michigan (800) 322-4512
Legal Services of Northern Michigan, Inc. (906) 786-2303

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.

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Frequently Asked Questions

  • What is the distress score for Roscommon County, Michigan?

    Roscommon County has a County Distress Index score of 61.7 out of 100, placing it in the Elevated zone. It ranks 703rd nationally out of 3,144 counties and 8th in Michigan out of 83 counties.

  • What drives financial distress in Roscommon County?

    The primary driver of distress in Roscommon County is Employment & Wages, where the county scores 86.4 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Roscommon County compare to neighboring counties?

    Roscommon County (61.7) can be compared to its 7 neighboring counties: Oscoda County, MI (70.5); Clare County, MI (69.7); Ogemaw County, MI (63.7).

  • 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 Roscommon County?

    Roscommon County, Michigan has a population of approximately 23,863 (2023 Census estimate), classified as a small county.