Clallam County, Washington

County Distress Index: Elevated · 53.1 | 77,616 people · 11th most distressed in Washington
American Default Research

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Clallam County, WA registers elevated household financial distress with a score of 53.1 — 1364th 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 Washington, it ranks 11th of 39 counties. It scores higher than all 2 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Clallam County's primary driver is Housing Cost Burden at 71.3 — above the national median.

Housing Cost Burden Primary driver 71.3
Rent-Burdened (30%+) 84
Severely Rent-Burdened (50%+) 62
Mortgage-Burdened (30%+) 89
Homeownership Rate 58
Rent-to-Income Ratio 64
Employment & Wages 65.8
Unemployment Rate 92
Wage-to-Rent Ratio 67
Business Formation Rate 39
Community Vulnerability 59.6
Uninsured Rate 35
Disability Rate 85
Income & Poverty 48.1
Poverty Rate 37
Income vs. State Median 65
Child Poverty Rate 42
Debt & Delinquency 20.9
Debt in Collections 10
Medical Debt 7
Student Loan Delinquency 30
Auto Loan Delinquency 32
Credit Card Delinquency 9
Bankruptcy Filing Rate 38

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

Neighbors and Peers

How Clallam County compares to its 2 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Clallam County
Clallam County, WA 53.1 Elevated —
Jefferson County, WA 40.0 Normal -13.1
San Juan County, WA 36.8 Normal -16.4

Population Peers

County Score Zone vs. Clallam County
Bastrop County, TX 53.1 Elevated -0.0
Kanawha County, WV 53.2 Elevated +0.0
Clinton County, NY 53.2 Elevated +0.1
Washington County, OK 53.2 Elevated +0.1
Monroe County, PA 53.3 Elevated +0.1

Download Data

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

Find Help in Clallam County

Find an Attorney

Washington State Bar Association — Find Legal Help offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Washington State Bar Association — Find Legal Help 1-800-945-9722

Free Legal Aid

Legal aid organizations serving Clallam County residents at no cost.

Northwest Justice Project (NJP) 1-888-201-1014
Columbia Legal Services 1-206-464-1122

Self-Help Resources

Washington Law Help — Foreclosure Free legal information and self-help resources for low-income Washington residents, including foreclosure guides, tenant rights in foreclosure, and links to legal aid.
Washington Courts Self-Help Resources Washington Courts website with forms, instructions, and resources for self-represented litigants including those involved in foreclosure-related proceedings.
DFI Foreclosure Assistance and Information Department of Financial Institutions page with foreclosure prevention resources, consumer alerts about foreclosure rescue scams, and links to assistance programs.

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Frequently Asked Questions

  • What is the distress score for Clallam County, Washington?

    Clallam County has a County Distress Index score of 53.1 out of 100, placing it in the Elevated zone. It ranks 1,364th nationally out of 3,144 counties and 11th in Washington out of 39 counties.

  • What drives financial distress in Clallam County?

    The primary driver of distress in Clallam County is Housing Cost Burden, where the county scores 71.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Clallam County compare to neighboring counties?

    Clallam County (53.1) can be compared to its 2 neighboring counties: Jefferson County, WA (40.0); San Juan County, WA (36.8).

  • 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 Clallam County?

    Clallam County, Washington has a population of approximately 77,616 (2023 Census estimate), classified as a mid county.