Santa Cruz County, Arizona
Above the national median for unemployment — and 19.3× the rate of the healthiest U.S. county (Loving County, TX — 0%).
Main Findings
Santa Cruz County, Arizona ranks 233rd most distressed in the United States on the County Distress Index. The driver: 6% of the labor force is unemployed — above the national median of 4%.
- 233rd of 3,144 counties on the County Distress Index — Most distressed fifth, 2nd in Arizona.
- 6% of the labor force is unemployed (U.S. median 4%). Unemployment at the 94th percentile nationally.
- Credit card delinquency at 7% — national median 5%, ranked at the 78th percentile.
- Child poverty rate at 29% — national median 18%, ranked at the 88th percentile.
- Rent-to-income ratio at 26% — national median 21%, ranked at the 84th percentile.
"Santa Cruz County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Santa Cruz County's disability rate indicator is at the 20th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 51st percentile. The gap stands out against child poverty rate and EITC % of returns. Worth a call to Urban Institute or a local credit counselor in Nogales.
29% of children under 18 in Santa Cruz County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
The Indicators Behind Santa Cruz County's CDI Score
Every number traces to a public source. Santa Cruz County's value shown alongside AZ's median and the U.S. median. Full CSV available for download.
| Indicator | Santa Cruz | AZ median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 75 · Rank 675 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 78th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 6% | 5% | 78th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 26% | 23% | 71st | Urban Institute (2024) |
| Default & Legal — domain score 67 · Rank 859 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 25% | 26% | 23% | 58th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 199 | 128 | 126 | 75th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 70 · Rank 738 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 28% | 21% | 84th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 19% | 19% | 18% | 55th | Census ACS 5-yr (2023) |
| Labor — domain score 94 · Rank 185 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 6% | 4% | 4% | 94th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 75 · Rank 593 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 29% | 21% | 18% | 88th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 15% | 16% | 20th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 20% | 17% | 14% | 86th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 27% | 31% | 27% | 51st | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 14% | 11% | 8% | 87th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Santa Cruz County data — in under 60 seconds.
Draft wire copy 149-word AP-style article — use freely with attribution
NOGALES, Ariz. — Santa Cruz County ranks 233rd among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 76 out of 100 places Santa Cruz in the most distressed fifth. Among 3,144 U.S. counties scored, 232 counties rank more distressed. Within Arizona, Santa Cruz ranks second of 15 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies labor as the primary driver in Santa Cruz. 6% of the labor force is unemployed — above the national median of 4%.
"Santa Cruz County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Santa Cruz County's CDI score, and what does it mean?
What drives Santa Cruz County's distress score?
How does Santa Cruz County compare to its neighbors?
How is the County Distress Index calculated?
Santa Cruz County resident looking for help? HUD counselors, legal aid, and attorney referrals →