Elko County, Nevada

County Distress Index: Normal · 44.6 | 54,293 people · 14th most distressed in Nevada
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Elko County, NV falls within the normal range for household financial distress at 44.6 — 2028th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Nevada, it ranks 14th of 17 counties. Among its 9 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Elko County's primary driver is Debt & Delinquency at 60.3 — above the national median.

Debt & Delinquency Primary driver 60.3
Debt in Collections 56
Medical Debt 49
Student Loan Delinquency 87
Auto Loan Delinquency 72
Credit Card Delinquency 66
Bankruptcy Filing Rate 32
Employment & Wages 58.2
Unemployment Rate 45
Wage-to-Rent Ratio 74
Business Formation Rate 55
Housing Cost Burden 48.9
Rent-Burdened (30%+) 31
Severely Rent-Burdened (50%+) 28
Mortgage-Burdened (30%+) 63
Homeownership Rate 69
Rent-to-Income Ratio 53
Community Vulnerability 38.4
Uninsured Rate 57
Disability Rate 20
Income & Poverty 17.2
Poverty Rate 13
Income vs. State Median 23
Child Poverty Rate 16

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

Neighbors and Peers

How Elko County compares to its 9 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Elko County
Elko County, NV 44.6 Normal —
Owyhee County, ID 58.1 Elevated +13.6
Twin Falls County, ID 49.8 Normal +5.2
White Pine County, NV 47.6 Normal +3.1
Eureka County, NV 47.4 Normal +2.8
Humboldt County, NV 41.5 Normal -3.1
Lander County, NV 41.4 Normal -3.2
Cassia County, ID 40.5 Normal -4.1
Tooele County, UT 30.6 Healthy -13.9
Box Elder County, UT 29.8 Healthy -14.8

Population Peers

County Score Zone vs. Elko County
Skagit County, WA 44.6 Normal +0.0
Berkeley County, WV 44.6 Normal +0.0
Blount County, TN 44.6 Normal -0.0
Rankin County, MS 44.5 Normal -0.1
Wayne County, NY 44.7 Normal +0.1

Download Data

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

Find Help in Elko County

Find an Attorney

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

State Bar of Nevada Lawyer Referral and Information Service 702-382-0504

Free Legal Aid

Legal aid organizations serving Elko County residents at no cost.

Nevada Legal Services 702-386-0404 (Las Vegas); 775-284-3491 (Reno)
Legal Aid Center of Southern Nevada 702-386-1070
Washoe Legal Services 775-329-2727
State Bar of Nevada Lawyer Referral Service 702-382-0504

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Frequently Asked Questions

  • What is the distress score for Elko County, Nevada?

    Elko County has a County Distress Index score of 44.6 out of 100, placing it in the Normal zone. It ranks 2,028th nationally out of 3,144 counties and 14th in Nevada out of 17 counties.

  • What drives financial distress in Elko County?

    The primary driver of distress in Elko County is Debt & Delinquency, where the county scores 60.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Elko County compare to neighboring counties?

    Elko County (44.6) can be compared to its 9 neighboring counties: Owyhee County, ID (58.1); Twin Falls County, ID (49.8); White Pine County, NV (47.6).

  • 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 Elko County?

    Elko County, Nevada has a population of approximately 54,293 (2023 Census estimate), classified as a mid county.