Salt Lake County, Utah
Above the national median for uninsured rate.
Main Findings
Salt Lake County, Utah ranks 1,709th most distressed in the United States on the County Distress Index. The driver: 10% of residents lack health insurance — above the national median of 8%.
- 1,709th of 3,144 counties on the County Distress Index — Normal zone, 4th in Utah.
- 10% of residents lack health insurance (U.S. median 8%). Uninsured rate at the 62nd percentile nationally.
- Bankruptcy filing rate at 275 — national median 126, ranked at the 88th percentile.
- Owner housing burden at 29% — national median 24%, ranked at the 87th percentile.
- Wage-to-rent ratio at 3.7× — national median 4.0×, ranked at the 34th percentile.
Neighbors span two CDI zones. The 23-point drop to Morgan County marks where the Wasatch Front distress corridor ends.
Mid-size city of 1,185,813 residents, with a business application rate at the 4th percentile. Entrepreneurship has largely stopped.
"Salt Lake County sits at the national median, but the composition of its distress matters more than the composite score."
"Normal-zone counties are the national median. The interesting signal here isn't the composite score but which domain is moving fastest, up or down."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Salt Lake County's business formation rate indicator is at the 4th percentile — while every other indicator in the Economic Vitality domain is above the 49th. The gap stands out against the other credit indicators. Worth a call to Urban Institute or a local credit counselor in Salt Lake County.
The Indicators Behind Salt Lake County's CDI Score
Every number traces to a public source. Salt Lake County's value shown alongside UT's median and the U.S. median. Full CSV available for download.
| Indicator | Salt Lake | UT median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Consumer Credit Distress — domain score 37 · Rank 2,017 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 18% | 14% | 23% | 29th | Urban Institute (2024) |
| Medical debt in collections Share of residents with a credit file who have medical debt in collections | 3% | 2% | 4% | 41st | Urban Institute (2024) |
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 3% | 5% | 43rd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 3% | 5% | 33rd | Urban Institute (2024) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 8% | 8% | 62nd | Census ACS 5-yr (2023) |
| Subprime credit share Share of residents with a credit score below 660 | 20% | 16% | 23% | 34th | Urban Institute (2024) |
| Housing Cost Burden — domain score 77 · Rank 494 of 3,144 | |||||
| Rent burden (30%+) Share of renter households paying 30%+ of income on rent | 46% | 36% | 38% | 81st | Census ACS 5-yr (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 21% | 17% | 18% | 69th | Census ACS 5-yr (2023) |
| Owner housing burden Share of owner households paying 30%+ of income on housing | 29% | 26% | 24% | 87th | Census ACS 5-yr (2023) |
| Homeownership rate Share of occupied housing units that are owner-occupied | 67% | 78% | 74% | 20th | Census ACS 5-yr (2023) |
| Structural Poverty — domain score 13 · Rank 2,964 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 33rd | BLS LAUS (Dec 2025) |
| Poverty rate Share of population below the federal poverty line | 10% | 10% | 14% | 16th | Census SAIPE (2023) |
| Household income relative to state Median household income as share of state median | 1.25× | 1.00× | 1.00× | 87th | Census SAIPE (2023) |
| Child poverty rate Share of children under 18 below the federal poverty line | 11% | 13% | 18% | 13th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 10% | 13% | 16% | 6th | Census ACS 5-yr (2023) |
| Transfer-income dependency Share of personal income from government transfers | 12% | 20% | 27% | 4th | BEA Regional Personal Income (2023) |
| Legal Distress — domain score 88 · Rank 374 of 3,144 | |||||
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 275 | 138 | 126 | 88th | US Courts F-5A (2025) |
| Economic Vitality — domain score 53 · Rank 1,339 of 3,144 | |||||
| Wage-to-rent ratio Ratio of average weekly wage to fair-market rent | 3.7× | 3.5× | 4.0× | 34th | BLS QCEW × HUD FMR (2024) |
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 19% | 21% | 61st | HUD FMR × Census ACS (2024) |
| Business formation rate New business applications per 1,000 residents | 21.4 | 16.1 | 10.0 | 96th | Census Business Formation Statistics (2024) |
| House price change (yoy) House price index year-over-year change | 3% | 3% | 4% | 36th | FHFA HPI (2024) |
Five-Domain Breakdown
The CDI is a PCA-weighted composite of five statistically derived factors. Weights are proportional to each factor's share of explained variance across 3,144 counties.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. A score of 50 represents the national county median; higher scores indicate greater distress. The index is built from 21 indicators grouped into five statistically derived factors via principal component analysis (PCA); factor weights are proportional to each factor's share of explained variance (shown in the Five-Domain Breakdown above).
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 Salt Lake County data — in under 60 seconds.
Draft wire copy 151-word AP-style article — use freely with attribution
SALT LAKE, Utah. — Salt Lake County ranks 1,709th 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 48 out of 100 places Salt Lake in the "Normal" zone, the highest-distress category on the index. Among 3,144 U.S. counties scored, only 1708 rank worse. Within Utah, Salt Lake ranks fourth of 29 counties.
The index, which draws on 21 indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies consumer credit distress as the primary driver in Salt Lake. 10% of residents lack health insurance — above the national median of 8%.
"Salt Lake County sits at the national median, but the composition of its distress matters more than the composite score." 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 Salt Lake County's CDI score, and what does it mean?
What drives Salt Lake County's distress score?
How does Salt Lake County compare to its neighbors?
How is the County Distress Index calculated?
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