Humboldt County, California
Above the national median for rent-to-income ratio — and 3.1× the rate of the healthiest U.S. county (Loving County, TX — 10%).
Main Findings
Humboldt County, California is more distressed than 63% of U.S. counties on the County Distress Index. The driver: a rent-to-income ratio of 32% — above the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis) and its lowest is Default & Legal.
- 22nd of 58 counties in California on the County Distress Index — 63 · moderate-high county distress, more distressed than 63% of U.S. counties.
- A rent-to-income ratio of 32% (U.S. median 21%). Rent-to-income ratio at the 98th percentile nationally. Source: HUD FMR (FY2027); U.S. Census Bureau, SAIPE (2024).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 83rd percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Poverty rate at 18% — national median 13%, ranked at the 80th percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Delinquency domain score 28 — weight 20.0% of the CDI composite. Source: American Default Research.
Neighbors span three CDI score labels. The 20-point drop to Trinity County marks where the CA North Coast distress corridor ends.
Humboldt County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Debt Burden (housing basis).
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), Humboldt County's uninsured rate indicator is at the 18th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 53rd percentile. The gap stands out against the other credit indicators. Worth a call to the source agency or a local subject-matter contact in Eureka.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Humboldt County's CDI Score
Every number traces to a public source. Humboldt County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | Humboldt | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 28 · Rank 2,336 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 4% | 5% | 14th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 5% | 5% | 39th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 19% | 20% | 23% | 30th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 25 · Rank 2,590 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 17% | 18% | 23% | 29th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 74 | 119 | 126 | 22nd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 98 · Rank 14 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 32% | 27% | 21% | 98th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 30% | 26% | 18% | 97th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 82 · Rank 391 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 27% | 23% | 21% | 80th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 5% | 6% | 4% | 83rd | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 60 · Rank 1,194 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 16% | 17% | 53rd | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 19% | 13% | 16% | 74th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 18% | 13% | 13% | 80th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 5% | 6% | 8% | 18th | U.S. Census Bureau, ACS 5-year (2024) |
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 scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Humboldt County data.
Draft wire copy 125-word AP-style article — use freely with attribution
EUREKA, Calif. — Humboldt County is more distressed than 63% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Humboldt scores 63 out of 100, which means it is more distressed than 63% of U.S. counties; its score label is moderate-high county distress. Within California, Humboldt ranks 22nd of 58 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Humboldt. A rent-to-income ratio of 32% — above the national median of 21%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Humboldt County's CDI score, and what does it mean?
What drives Humboldt County's distress score?
How does Humboldt County compare to its neighbors?
How is the County Distress Index calculated?
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