Santa Fe County, New Mexico
Above the national median for rent-to-income ratio — and 2.2× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Santa Fe County, New Mexico ranks 1,781st most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 26% — above the national median of 21%.
- 1,781st of 3,144 counties on the County Distress Index — Middle fifth, 32nd in New Mexico.
- A rent-to-income ratio of 26% (U.S. median 21%). Rent-to-income ratio at the 84th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 62nd percentile.
- Uninsured rate at 9% — national median 8%, ranked at the 61st percentile.
- Delinquency domain score 27 — weight 20.0% of the CDI composite.
Neighbors span four CDI distress fifths. The 64-point drop to Los Alamos County marks where the New Mexico distress corridor ends.
"Santa Fe County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story."
"The CDI places this county in the middle fifth nationally. The county sits near the center of the geography distribution, so the domain mix matters more than the composite alone."
The Indicators Behind Santa Fe County's CDI Score
Every number traces to a public source. Santa Fe County's value shown alongside NM's median and the U.S. median. Full CSV available for download.
| Indicator | Santa Fe | NM median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 27 · Rank 2,358 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 5% | 5% | 41st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 6% | 5% | 21st | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 16% | 26% | 23% | 19th | Urban Institute (2024) |
| Default & Legal — domain score 25 · Rank 2,597 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 19% | 28% | 23% | 34th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 63 | 65 | 126 | 16th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 83 · Rank 299 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 26% | 21% | 84th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 24% | 18% | 18% | 83rd | Census ACS 5-yr (2023) |
| Labor — domain score 62 · Rank 1,205 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 62nd | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 37 · Rank 2,097 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 27% | 18% | 55th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 15% | 20% | 16% | 40th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 12% | 19% | 14% | 39th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 18% | 34% | 27% | 16th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 9% | 9% | 8% | 61st | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Santa Fe County data — in under 60 seconds.
Draft wire copy 157-word AP-style article — use freely with attribution
SANTA FE, N.M. — Santa Fe County ranks 1,781st among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 47 out of 100 places Santa Fe in the middle fifth. Among 3,144 U.S. counties scored, 1,780 counties rank more distressed. Within New Mexico, Santa Fe ranks 32nd of 33 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Santa Fe. A rent-to-income ratio of 26% — above the national median of 21%.
"Santa Fe County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Santa Fe County's CDI score, and what does it mean?
What drives Santa Fe County's distress score?
How does Santa Fe County compare to its neighbors?
How is the County Distress Index calculated?
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