Lincoln County, Oregon

County Distress Index: Serious · 65.8 | 50,821 people · 2nd most distressed in Oregon
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Lincoln County, OR shows significant household financial distress with a score of 65.8 — 455th 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 2nd of 36 counties. It scores higher than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Lincoln County's primary driver is Housing Cost Burden at 87.0 — worse than roughly 87% of U.S. counties.

Housing Cost Burden Primary driver 87.0
Rent-Burdened (30%+) 87
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 98
Homeownership Rate 65
Rent-to-Income Ratio 93
Community Vulnerability 70.6
Uninsured Rate 50
Disability Rate 91
Employment & Wages 70.6
Unemployment Rate 93
Wage-to-Rent Ratio 91
Business Formation Rate 28
Income & Poverty 68.3
Poverty Rate 64
Income vs. State Median 74
Child Poverty Rate 66
Debt & Delinquency 32.3
Debt in Collections 33
Medical Debt 21
Student Loan Delinquency 10
Auto Loan Delinquency 32
Credit Card Delinquency 32
Bankruptcy Filing Rate 67

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

Neighbors and Peers

How Lincoln County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Lincoln County
Lincoln County, OR 65.8 Serious —
Lane County, OR 58.0 Elevated -7.7
Tillamook County, OR 51.1 Elevated -14.7
Polk County, OR 49.4 Normal -16.3
Benton County, OR 47.1 Normal -18.7

Population Peers

County Score Zone vs. Lincoln County
Calhoun County, AL 65.8 Serious -0.0
Newport News city, VA 65.8 Serious +0.0
Ross County, OH 65.9 Serious +0.1
Acadia Parish, LA 66.1 Serious +0.3
Orangeburg County, SC 65.4 Serious -0.4

Download Data

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

Find Help in Lincoln County

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 Lincoln 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.

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Frequently Asked Questions

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

    Lincoln County has a County Distress Index score of 65.8 out of 100, placing it in the Serious zone. It ranks 455th nationally out of 3,144 counties and 2nd in Oregon out of 36 counties.

  • What drives financial distress in Lincoln County?

    The primary driver of distress in Lincoln County is Housing Cost Burden, where the county scores 87.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Lincoln County compare to neighboring counties?

    Lincoln County (65.8) can be compared to its 4 neighboring counties: Lane County, OR (58.0); Tillamook County, OR (51.1); Polk County, OR (49.4).

  • 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 Lincoln County?

    Lincoln County, Oregon has a population of approximately 50,821 (2023 Census estimate), classified as a mid county.