Olmsted County, Minnesota

County Distress Index: Healthy · 25.8 | 164,784 people · 83rd most distressed in Minnesota
American Default Research

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

Olmsted County, MN ranks among the least distressed counties in the country at 25.8 — 3022nd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Minnesota, it ranks 83rd of 87 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Olmsted County's primary driver is Housing Cost Burden at 60.5 — above the national median.

Housing Cost Burden Primary driver 60.5
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 70
Mortgage-Burdened (30%+) 56
Homeownership Rate 68
Rent-to-Income Ratio 27
Employment & Wages 35.1
Unemployment Rate 27
Wage-to-Rent Ratio 15
Business Formation Rate 64
Debt & Delinquency 18.5
Debt in Collections 7
Medical Debt 14
Student Loan Delinquency 5
Auto Loan Delinquency 20
Credit Card Delinquency 8
Bankruptcy Filing Rate 55
Income & Poverty 9.1
Poverty Rate 7
Income vs. State Median 14
Child Poverty Rate 6
Community Vulnerability 5.8
Uninsured Rate 7
Disability Rate 4

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

Neighbors and Peers

How Olmsted County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Olmsted County
Olmsted County, MN 25.8 Healthy —
Mower County, MN 43.7 Normal +18.0
Winona County, MN 36.8 Normal +11.0
Fillmore County, MN 35.7 Normal +9.9
Dodge County, MN 31.8 Healthy +6.0
Goodhue County, MN 28.9 Healthy +3.1
Wabasha County, MN 28.0 Healthy +2.2

Population Peers

County Score Zone vs. Olmsted County
St. Croix County, WI 25.9 Healthy +0.1
Livingston County, MI 25.3 Healthy -0.4
Columbia County, WI 25.3 Healthy -0.4
Geauga County, OH 25.3 Healthy -0.5
Scott County, MN 26.5 Healthy +0.7

Download Data

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

Find Help in Olmsted County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Olmsted County.

THREE RIVERS COMMUNITY ACTION, INC
Rochester
507-316-0610 Website
Pre-PurchaseHomebuyer Education

See all counselors in Minnesota →

Find an Attorney

Minnesota State Bar Association Lawyer Referral offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Minnesota State Bar Association Lawyer Referral 612-278-6333

Free Legal Aid

Legal aid organizations serving Olmsted County residents at no cost.

Legal Aid Society of Minneapolis 612-334-5970
Mid-Minnesota Legal Aid 612-332-1441
Southern Minnesota Regional Legal Services 1-888-575-2954
Central Minnesota Legal Services, Inc. (612) 334-5970
Legal Aid Service of Northeastern Minnesota (800) 933-1112
Legal Services of Northwest Minnesota Corporation (800) 450-8585

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

Need legal help? Find a foreclosure defense attorney in Minnesota →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Olmsted County, Minnesota?

    Olmsted County has a County Distress Index score of 25.8 out of 100, placing it in the Healthy zone. It ranks 3,022nd nationally out of 3,144 counties and 83rd in Minnesota out of 87 counties.

  • What drives financial distress in Olmsted County?

    The primary driver of distress in Olmsted County is Housing Cost Burden, where the county scores 60.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Olmsted County compare to neighboring counties?

    Olmsted County (25.8) can be compared to its 6 neighboring counties: Mower County, MN (43.7); Winona County, MN (36.8); Fillmore County, MN (35.7).

  • 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 Olmsted County?

    Olmsted County, Minnesota has a population of approximately 164,784 (2023 Census estimate), classified as a mid county.