Deschutes County, Oregon

County Distress Index: Normal · 39.5 | 208,513 people · 33rd most distressed in Oregon
American Default Research

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Deschutes County, OR falls within the normal range for household financial distress at 39.5 — 2376th 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 Oregon, it ranks 33rd of 36 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Deschutes County's primary driver is Housing Cost Burden at 77.8 — worse than roughly 78% of U.S. counties.

Housing Cost Burden Primary driver 77.8
Rent-Burdened (30%+) 84
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 92
Homeownership Rate 68
Rent-to-Income Ratio 62
Employment & Wages 57.4
Unemployment Rate 78
Wage-to-Rent Ratio 86
Business Formation Rate 8
Debt & Delinquency 27.6
Debt in Collections 13
Medical Debt 27
Student Loan Delinquency 25
Auto Loan Delinquency 11
Credit Card Delinquency 14
Bankruptcy Filing Rate 76
Community Vulnerability 25.0
Uninsured Rate 34
Disability Rate 16
Income & Poverty 9.9
Poverty Rate 11
Income vs. State Median 7
Child Poverty Rate 12

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Deschutes County
Deschutes County, OR 39.5 Normal —
Klamath County, OR 70.4 Serious +30.8
Lake County, OR 63.0 Elevated +23.5
Linn County, OR 61.0 Elevated +21.4
Jefferson County, OR 60.3 Elevated +20.8
Lane County, OR 58.0 Elevated +18.5
Harney County, OR 56.4 Elevated +16.9
Crook County, OR 47.9 Normal +8.4

Population Peers

County Score Zone vs. Deschutes County
Crow Wing County, MN 39.5 Normal -0.0
Butler County, KS 39.5 Normal -0.0
Madison County, MS 39.6 Normal +0.0
Franklin County, VA 39.6 Normal +0.0
La Plata County, CO 39.6 Normal +0.1

Download Data

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

Find Help in Deschutes County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Deschutes County.

NEIGHBORIMPACT
Redmond
541-323-6567 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
NEIGHBORIMPACT- BEND HOUSING CENTER
BEND
541-323-6567 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingHome Improvement/Rehab

See all counselors in Oregon →

Find an Attorney

Oregon State Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Oregon State Bar — Lawyer Referral Service 503-684-3763 (Portland); 1-800-452-7636 (statewide)

Free Legal Aid

Legal aid organizations serving Deschutes County residents at no cost.

Legal Aid Services of Oregon 503-684-1032 (Portland); 1-800-684-1032 (statewide hotline)
Oregon Law Center 541-672-3429 (Roseburg); 541-485-1017 (Eugene)
Willamette Law Online — Oregon Foreclosure Avoidance Project 503-370-6051

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 Oregon →

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Frequently Asked Questions

  • What is the distress score for Deschutes County, Oregon?

    Deschutes County has a County Distress Index score of 39.5 out of 100, placing it in the Normal zone. It ranks 2,376th nationally out of 3,144 counties and 33rd in Oregon out of 36 counties.

  • What drives financial distress in Deschutes County?

    The primary driver of distress in Deschutes County is Housing Cost Burden, where the county scores 77.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Deschutes County compare to neighboring counties?

    Deschutes County (39.5) can be compared to its 7 neighboring counties: Klamath County, OR (70.4); Lake County, OR (63.0); Linn County, OR (61.0).

  • 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 Deschutes County?

    Deschutes County, Oregon has a population of approximately 208,513 (2023 Census estimate), classified as a mid county.