Hillsborough County, New Hampshire

County Distress Index: Normal · 38.1 | 427,354 people · 8th most distressed in New Hampshire
American Default Research

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Hillsborough County, NH falls within the normal range for household financial distress at 38.1 — 2473rd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within New Hampshire, it ranks 8th of 10 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hillsborough County's primary driver is Housing Cost Burden at 81.3 — worse than roughly 81% of U.S. counties.

Housing Cost Burden Primary driver 81.3
Rent-Burdened (30%+) 86
Severely Rent-Burdened (50%+) 69
Mortgage-Burdened (30%+) 99
Homeownership Rate 79
Rent-to-Income Ratio 73
Employment & Wages 51.1
Unemployment Rate 34
Wage-to-Rent Ratio 83
Business Formation Rate 36
Debt & Delinquency 29.2
Debt in Collections 27
Medical Debt 33
Student Loan Delinquency 30
Auto Loan Delinquency 30
Credit Card Delinquency 36
Bankruptcy Filing Rate 19
Community Vulnerability 21.6
Uninsured Rate 29
Disability Rate 14
Income & Poverty 7.4
Poverty Rate 3
Income vs. State Median 15
Child Poverty Rate 4

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Hillsborough County
Hillsborough County, NH 38.1 Normal —
Sullivan County, NH 48.7 Normal +10.6
Worcester County, MA 48.6 Normal +10.5
Essex County, MA 46.4 Normal +8.3
Cheshire County, NH 45.4 Normal +7.3
Merrimack County, NH 36.6 Normal -1.5
Middlesex County, MA 33.3 Healthy -4.8
Rockingham County, NH 30.4 Healthy -7.7

Population Peers

County Score Zone vs. Hillsborough County
Chesterfield County, VA 38.1 Normal +0.0
Clay County, MO 38.1 Normal +0.0
Clackamas County, OR 38.3 Normal +0.2
Honolulu County, HI 37.9 Normal -0.3
Cherokee County, GA 37.8 Normal -0.3

Download Data

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

Find Help in Hillsborough County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Hillsborough County.

NEIGHBORWORKS OF SOUTHERN NEW HAMPSHIRE
Manchester
603-626-4663 Website
Financial CounselingFinancial CounselingFair HousingPost-Purchase
NEW HAMPSHIRE HOUSING FINANCE AUTHORITY
Bedford
603-472-8623 Website
Home Improvement/RehabPre-Purchase
NEW HAMPSHIRE HOUSING FINANCE AUTHORITY
Bedford
603-310-9287 Website
Foreclosure PreventionMortgage HelpFinancial CounselingHomeless/Displacement

See all counselors in New Hampshire →

Find an Attorney

New Hampshire Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

New Hampshire Bar Association Lawyer Referral Service 603-229-0002

Free Legal Aid

Legal aid organizations serving Hillsborough County residents at no cost.

New Hampshire Legal Assistance 1-800-639-5290
603 Legal Aid 1-800-639-5290

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 New Hampshire →

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Frequently Asked Questions

  • What is the distress score for Hillsborough County, New Hampshire?

    Hillsborough County has a County Distress Index score of 38.1 out of 100, placing it in the Normal zone. It ranks 2,473rd nationally out of 3,144 counties and 8th in New Hampshire out of 10 counties.

  • What drives financial distress in Hillsborough County?

    The primary driver of distress in Hillsborough County is Housing Cost Burden, where the county scores 81.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Hillsborough County compare to neighboring counties?

    Hillsborough County (38.1) can be compared to its 7 neighboring counties: Sullivan County, NH (48.7); Worcester County, MA (48.6); Essex County, MA (46.4).

  • 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 Hillsborough County?

    Hillsborough County, New Hampshire has a population of approximately 427,354 (2023 Census estimate), classified as a large county.