Pend Oreille County, Washington

County Distress Index: Normal · 48.1 | 14,361 people · 18th most distressed in Washington
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Pend Oreille County, WA falls within the normal range for household financial distress at 48.1 — 1741st nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Washington, it ranks 18th of 39 counties. It scores higher than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Pend Oreille County's primary driver is Income & Poverty at 67.1 — above the national median.

Income & Poverty Primary driver 67.1
Poverty Rate 57
Income vs. State Median 76
Child Poverty Rate 68
Community Vulnerability 60.5
Uninsured Rate 34
Disability Rate 88
Employment & Wages 55.0
Unemployment Rate 95
Wage-to-Rent Ratio 13
Business Formation Rate 57
Housing Cost Burden 41.7
Rent-Burdened (30%+) 36
Severely Rent-Burdened (50%+) 14
Mortgage-Burdened (30%+) 77
Homeownership Rate 34
Rent-to-Income Ratio 47
Debt & Delinquency 16.2
Debt in Collections 23
Medical Debt 7
Student Loan Delinquency 18
Auto Loan Delinquency 9
Credit Card Delinquency 6
Bankruptcy Filing Rate 35

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Pend Oreille County
Pend Oreille County, WA 48.1 Normal —
Spokane County, WA 47.3 Normal -0.8
Bonner County, ID 45.7 Normal -2.4
Stevens County, WA 44.6 Normal -3.5
Boundary County, ID 41.0 Normal -7.2

Population Peers

County Score Zone vs. Pend Oreille County
Idaho County, ID 48.1 Normal 0.0
Banks County, GA 48.1 Normal +0.0
Alexander County, NC 48.2 Normal +0.0
Austin County, TX 48.1 Normal -0.0
Young County, TX 48.2 Normal +0.1

Download Data

Export all distress indicators for Pend Oreille County as a CSV file.

Find Help in Pend Oreille 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 Pend Oreille 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 Pend Oreille County, Washington?

    Pend Oreille County has a County Distress Index score of 48.1 out of 100, placing it in the Normal zone. It ranks 1,741st nationally out of 3,144 counties and 18th in Washington out of 39 counties.

  • What drives financial distress in Pend Oreille County?

    The primary driver of distress in Pend Oreille County is Income & Poverty, where the county scores 67.1 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Pend Oreille County compare to neighboring counties?

    Pend Oreille County (48.1) can be compared to its 4 neighboring counties: Spokane County, WA (47.3); Bonner County, ID (45.7); Stevens County, WA (44.6).

  • 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 Pend Oreille County?

    Pend Oreille County, Washington has a population of approximately 14,361 (2023 Census estimate), classified as a small county.