Coconino County, Arizona

County Distress Index: Elevated · 63.2 | 144,472 people · 6th most distressed in Arizona
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Coconino County, AZ registers elevated household financial distress with a score of 63.2 — 761st nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within Arizona, it ranks 6th of 15 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Coconino County's primary driver is Economic Vitality at 85.7 — worse than roughly 86% of U.S. counties.

Economic Vitality Primary driver 85.7
Wage-to-Rent Ratio 99
Rent-to-Income Ratio 99
Business Formation Rate 41
House Price Change (YoY) 66
Housing Cost Burden 84.7
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 88
Mortgage-Burdened (30%+) 40
Homeownership Rate 94
Consumer Credit Distress 62.2
Debt in Collections 57
Medical Debt 67
Auto Loan Delinquency 82
Credit Card Delinquency 42
Uninsured Rate 70
Subprime Credit Population 60
Structural Poverty 44.3
Unemployment Rate 80
Poverty Rate 77
Income vs. State Median 20
Child Poverty Rate 65
Disability Rate 28
Transfer Income Dependency 24
Legal Distress 11.8
Bankruptcy Filing Rate 12

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Coconino County
Coconino County, AZ 63.2 Elevated —
Navajo County, AZ 65.2 Serious +2.0
Gila County, AZ 64.7 Elevated +1.5
Mohave County, AZ 64.7 Elevated +1.4
San Juan County, UT 51.9 Elevated -11.3
Yavapai County, AZ 47.9 Normal -15.3
Kane County, UT 33.7 Healthy -29.5

Population Peers

CountyScoreZonevs. Coconino County
Colbert County, AL 63.2 Elevated +0.0
Bedford County, TN 63.2 Elevated -0.0
Fayette County, PA 63.3 Elevated +0.1
Greenwood County, SC 63.4 Elevated +0.1
Saginaw County, MI 63.1 Elevated -0.1

Download Data

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

Find Help in Coconino County

Find an Attorney

State Bar of Arizona — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Arizona — Lawyer Referral Service 602-252-4804

Free Legal Aid

Legal aid organizations serving Coconino County residents at no cost.

Community Legal Services (CLS) — Central and Northern Arizona 602-258-3434
Southern Arizona Legal Aid (SALA) 520-623-9465
DNA People's Legal Services 928-871-4151
Three Rivers Legal Services 602-258-3434
Community Legal Services, Inc. (800) 852-9075

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 Coconino County, Arizona?

    Coconino County has a County Distress Index score of 63.2 out of 100, placing it in the Elevated zone. It ranks 761st nationally out of 3,144 counties and 6th in Arizona out of 15 counties.

  • What drives financial distress in Coconino County?

    The primary driver of distress in Coconino County is Economic Vitality, where the county scores 85.7 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Coconino County compare to neighboring counties?

    Coconino County (63.2) can be compared to its 6 neighboring counties: Navajo County, AZ (65.2); Gila County, AZ (64.7); Mohave County, AZ (64.7).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). 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.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Elevated zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Coconino County's score of 63.2 sits in the Elevated zone (55–71).

  • What data sources power Coconino County's CDI score?

    Coconino County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Coconino County?

    Coconino County, Arizona has a population of approximately 144,472 (2023 Census estimate), classified as a mid county.