Stevens County, Washington

County Distress Index: Normal · 44.6 | 48,837 people · 28th most distressed in Washington
American Default Research

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Stevens County, WA falls within the normal range for household financial distress at 44.6 — 2030th nationally out of 3144 counties. The primary driver is Employment & Wages, where employment and wage conditions show moderate stress. Within Washington, it ranks 28th of 39 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Stevens County's primary driver is Employment & Wages at 59.8 — above the national median.

Employment & Wages Primary driver 59.8
Unemployment Rate 96
Wage-to-Rent Ratio 55
Business Formation Rate 28
Community Vulnerability 53.9
Uninsured Rate 37
Disability Rate 71
Income & Poverty 49.7
Poverty Rate 37
Income vs. State Median 64
Child Poverty Rate 48
Housing Cost Burden 38.1
Rent-Burdened (30%+) 49
Severely Rent-Burdened (50%+) 25
Mortgage-Burdened (30%+) 53
Homeownership Rate 23
Rent-to-Income Ratio 40
Debt & Delinquency 21.3
Debt in Collections 15
Medical Debt 7
Student Loan Delinquency 13
Auto Loan Delinquency 31
Credit Card Delinquency 24
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 Stevens County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Stevens County
Stevens County, WA 44.6 Normal —
Ferry County, WA 51.5 Elevated +7.0
Pend Oreille County, WA 48.1 Normal +3.5
Spokane County, WA 47.3 Normal +2.7
Lincoln County, WA 36.8 Normal -7.8

Population Peers

County Score Zone vs. Stevens County
Edgar County, IL 44.6 Normal +0.0
Benzie County, MI 44.6 Normal +0.1
Price County, WI 44.7 Normal +0.1
Macoupin County, IL 44.7 Normal +0.1
Lawrence County, IN 44.5 Normal -0.1

Download Data

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

Find Help in Stevens County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Stevens County.

RURAL RESOURCES COMMUNITY ACTION
Colville
509-685-6055 Website
Foreclosure PreventionFinancial CounselingPre-PurchaseHomebuyer Education

See all counselors in Washington →

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 Stevens 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.

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 Washington →

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Frequently Asked Questions

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

    Stevens County has a County Distress Index score of 44.6 out of 100, placing it in the Normal zone. It ranks 2,030th nationally out of 3,144 counties and 28th in Washington out of 39 counties.

  • What drives financial distress in Stevens County?

    The primary driver of distress in Stevens County is Employment & Wages, where the county scores 59.8 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Stevens County compare to neighboring counties?

    Stevens County (44.6) can be compared to its 4 neighboring counties: Ferry County, WA (51.5); Pend Oreille County, WA (48.1); Spokane County, WA (47.3).

  • 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 Stevens County?

    Stevens County, Washington has a population of approximately 48,837 (2023 Census estimate), classified as a small county.