About one in eight people with a credit file in Hubbard County, Minnesota, has unpaid debt sent to a collector
In Hubbard County, 12.1% of people with a credit file had unpaid debt sent to a collector. That is lower than in 91% of U.S. counties.
Less distressed than 70% of U.S. counties.
What drives Hubbard County's score
In Hubbard County, jobs are the highest-scoring part, at 60.2. Late payments on loans are the lowest part, at 21.7. About three in ten people (30.6%, Q2 2026) have a subprime credit score, a lower share than in 85% of U.S. counties.
The County Distress Index looks at five parts of household money trouble in Hubbard County: jobs, late payments on loans, income and the safety net, collections and bankruptcy, and housing costs. Each part is scored from 0 to 100, and a higher score means worse off than other counties.
Even so, Hubbard County is worse off than most counties on unemployment rate, average over the latest year (6.4%, Oct 2025 to Sep 2026) and renters paying half their income or more in rent (24.2%, 2020 to 2024).
A longer bar means more trouble. See how the county score works.
- 60.2 of 100
Jobs
Biggest factorUnemployment through Sep 2026; adults not working, 2020–24 Census survey
- Unemployment rate, average over the latest year6.4% · Oct 2025 to Sep 202694th percentile
- Adults 25 to 54 not working16.8% · 2020 to 202425th percentile
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- 48.6 of 100
Housing costs
Renters, 2020–24 Census survey; HUD's fair market rents, fiscal year 2027
- Renters paying half their income or more in rent24.2% · 2020 to 202483rd percentile
- Rent on a two-bedroom as a share of the median income17.0% · fiscal year 202713th percentile
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- 37.1 of 100
Income and safety net
Poverty and income, 2024; disability and insurance, 2020–24 Census survey
- People below the poverty line12.4% · 202443rd percentile
- Children below the poverty line14.8% · 202437th percentile
- People with a disability15.3% · 2020 to 202443rd percentile
- People without health insurance5.5% · 2020 to 202425th percentile
- Median household income (lower income, longer bar)$72,189 · 202435th percentile
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- 23.2 of 100
Collections and bankruptcy
Credit records, August 2025; bankruptcy filings, 2025
- People with unpaid debt sent to a collector12.1% · August 20258th percentile
- Bankruptcy filings per 100,000 people103.9 · 202537th percentile
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- 21.7 of 100
Late payments
Credit records, August 2025; credit scores, second quarter of 2026
- People with a credit card behind4.0% · August 202525th percentile
- People with a car or retail loan behind3.5% · August 202524th percentile
- People with a subprime credit score30.6% · second quarter of 202614th percentile
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Sources: Urban Institute, Debt in America; Equifax via the St. Louis Fed; Administrative Office of the U.S. Courts, Table F-5A; U.S. Census Bureau, American Community Survey; U.S. Department of Housing and Urban Development Fair Market Rents and Census income; U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics; Census Bureau, Small Area Income and Poverty Estimates. County Distress Index by American Default Research, from data through Sep 2026.
Where the money in Hubbard County comes from
Benefit checks are Social Security, Medicare and Medicaid paid on people's behalf, veterans' benefits, and food and income support, so a high share usually means an older population, low pay, or both. In Hubbard County, 26.8% of residents are 65 or older (Census Bureau, 2024), against 17.2% nationally that year.
Cents of every dollar of income, 2024
Hubbard County
Minnesota
United States
- Pay from work
- Investments and rent
- Benefit checks
Benefit checks' share of income in Hubbard County had its largest rise, from 14.2% in 2004 to 29.5% in 2009.
In Hubbard County, benefit checks' share of income has risen by more than half since 1969, reaching 28.3% in 2024, but pay from work still brings in twice as much as benefit checks
In Hubbard County, Minnesota, benefit checks' share of income rose by more than half from 1969 to 2024, reaching 28.3%; pay from work is plotted alongside. Every fifth year and 2024 are shown.
- Benefit checks
- Pay from work
The share of households in Hubbard County getting SNAP food aid had its largest rise, from 8.8% in 2013 to 10.0% in 2014.
The share of households in Hubbard County getting SNAP food aid doubled from 2009 to 2024, reaching 10.2%
High on the chart: 10.2% in 2015. Households getting SNAP, every year; each bar is a five-year survey estimate ending that year, so neighboring bars share most of their data, Hubbard County, Minnesota.
How Hubbard County has changed
Hubbard County's population had its largest rise, from 10,298 in 1969 to 12,098 in 1974.
Hubbard County's population doubled from 1969 to 2024, reaching 22,050, with no dip in any year shown
Smallest rise: 2009 to 2014, reaching 20,455. Residents, yearly estimate, every fifth year and 2024, Hubbard County, Minnesota.
The number of jobs located in Hubbard County had its largest rise, from 3,651 in 1990 to 4,960 in 1995.
The number of jobs located in Hubbard County nearly doubled from 1990 to 2025, reaching 6,286
High on the chart: 6,469 in 2005. Yearly average of jobs covered by unemployment insurance, every fifth year and 2025, Hubbard County, Minnesota.
| Measure | Then | Now |
|---|---|---|
| Unemployment rateBLS LAUS | 1990 9.1% | 2025 5.9% |
| People below the poverty lineCensus SAIPE | 1989 18.4% | 2024 12.4% |
| Median household incomeCensus SAIPE | 1989 $19,554 | 2024 $72,189 |
The table uses 5.9% for 2025; the score uses 6.4% for the latest year (Oct 2025 to Sep 2026), both from the U.S. Bureau of Labor Statistics.
Figures are as each agency published them, not adjusted for prices.
Dated events in Hubbard County's history
1883
Created February 26, 1883, with territory partitioned from Cass County. Wikipedia
2008
A tornado in June 2008 did $5 million in property damage. NOAA Storm Events Database
2020
The county's largest recorded population was the 2020 Census count of 21,344, which is also its most recent census. Census Bureau
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Since 1976
10 federal disaster and emergency declarations have covered Hubbard County, 5 of them for flooding. FEMA
Hubbard County beside its neighbors
Of the five counties that border Hubbard County, three score higher. For the share of income from benefit checks, Hubbard County ranks 5th of the six; Wadena County is highest, at 38.2%.
| County | Score | Poverty | Benefit checks |
|---|---|---|---|
| Beltrami County, MN | 54 | 17.3% | 31.1% |
| Wadena County, MN | 50 | 15.1% | 38.2% |
| Clearwater County, MN | 35 | 14.1% | 32.4% |
| Hubbard County, MN | 29 | 12.4% | 28.3% |
| Cass County, MN | 27 | 11.7% | 32.9% |
| Becker County, MN | 24 | 12.8% | 27.9% |
Distress score: American Default Research, County Distress Index, data through Sep 2026; each county scored against all 3,144. Poverty rate: Census Bureau, Small Area Income and Poverty Estimates, 2024. Benefit checks: Bureau of Economic Analysis, 2024. Neighbors share a border, from Census county maps.
Is Hubbard County the poorest county in Minnesota?
No, Hubbard County's poverty rate was 12.4% in 2024, 18th highest of 87 in Minnesota (U.S. Census Bureau, Small Area Income and Poverty Estimates). By that measure the poorest county in the state is Beltrami County, at 17.3%. On our distress index, which counts more than poverty, Hubbard County ranks 19th of 87 in the state.
If you're behind on your mortgage in Hubbard County
Housing counselors approved by the U.S. Department of Housing and Urban Development work at nonprofit agencies. The Consumer Financial Protection Bureau describes free foreclosure-avoidance counseling, including help with mortgage-company conversations and available options Source CFPB.
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Justice North
Legal aid
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HUD-approved housing counselors
Our help directory lists 1,010 agencies approved for foreclosure counseling, by state.
The score, its 14 measures and their sources, in one file. Free to use with credit to American Default Research.
Download the CSV for Hubbard County · Every U.S. county (CSV)
Sources and method
- American Default Research · County Distress Index Data through Sep 2026, built from Urban Institute, Debt in America; Equifax via the St. Louis Fed; U.S. Courts, Table F-5A; Census Bureau, American Community Survey; HUD Fair Market Rents and Census income; Bureau of Labor Statistics, Local Area Unemployment Statistics; Census Bureau, Small Area Income and Poverty Estimates. The County Distress Index is American Default Research's own calculation; the Urban Institute does not produce or endorse it. Our methodology
- Urban Institute · Debt in America Breno Braga, Signe-Mary McKernan, Samantha Atherton, and Kassandra Martinchek, "Debt in America," last updated November 20, 2025, https://datacatalog.urban.org/dataset/debt-america-2025. Licensed under ODC-By 1.0.
- Rent on a two-bedroom and household income The rent share compares HUD fair market rent for fiscal year 2027 with Census Bureau median household income for 2024. The page calls this the typical household's income.
- U.S. Bureau of Economic Analysis, Regional Economic Accounts (CAINC4) · income shares Where the money in Hubbard County comes from, 2024.
- History The agencies named in each row and the linked records above.