Graham County, Arizona

County Distress Index: Normal · 50.0 | 39,525 people · 13th most distressed in Arizona
American Default Research

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Graham County, AZ falls within the normal range for household financial distress at 50.0 — 1582nd nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Arizona, it ranks 13th of 15 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Graham County's primary driver is Consumer Credit Distress at 62.3 — above the national median.

Consumer Credit Distress Primary driver 62.3
Debt in Collections 63
Medical Debt 52
Auto Loan Delinquency 72
Credit Card Delinquency 54
Uninsured Rate 56
Subprime Credit Population 68
Structural Poverty 58.6
Unemployment Rate 49
Poverty Rate 75
Income vs. State Median 31
Child Poverty Rate 63
Disability Rate 44
Transfer Income Dependency 88
Economic Vitality 53.8
Wage-to-Rent Ratio 60
Rent-to-Income Ratio 63
Business Formation Rate 45
House Price Change (YoY) 12
Housing Cost Burden 27.5
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 27
Mortgage-Burdened (30%+) 24
Homeownership Rate 55
Legal Distress 17.6
Bankruptcy Filing Rate 18

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Graham County
Graham County, AZ 50.0 Normal —
Navajo County, AZ 65.2 Serious +15.2
Gila County, AZ 64.7 Elevated +14.7
Apache County, AZ 64.5 Elevated +14.6
Pinal County, AZ 62.9 Elevated +13.0
Pima County, AZ 61.5 Elevated +11.6
Cochise County, AZ 57.6 Elevated +7.7
Greenlee County, AZ 41.7 Normal -8.2

Population Peers

CountyScoreZonevs. Graham County
Lincoln County, NM 50.0 Normal +0.0
Meade County, KY 50.0 Normal +0.0
Mariposa County, CA 49.9 Normal -0.0
Crawford County, MI 50.0 Elevated +0.1
Custer County, MT 49.9 Normal -0.1

Download Data

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

Find Help in Graham 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 Graham 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 Graham County, Arizona?

    Graham County has a County Distress Index score of 50.0 out of 100, placing it in the Normal zone. It ranks 1,582nd nationally out of 3,144 counties and 13th in Arizona out of 15 counties.

  • What drives financial distress in Graham County?

    The primary driver of distress in Graham County is Consumer Credit Distress, where the county scores 62.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Graham County compare to neighboring counties?

    Graham County (50.0) can be compared to its 7 neighboring counties: Navajo County, AZ (65.2); Gila County, AZ (64.7); Apache County, AZ (64.5).

  • 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 Normal 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). Graham County's score of 50.0 sits in the Normal zone (46–55).

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

    Graham 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 Graham County?

    Graham County, Arizona has a population of approximately 39,525 (2023 Census estimate), classified as a small county.