San Bernardino County, California
Above the national median for rent-to-income ratio — and 2.6× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
San Bernardino County, California ranks 354th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 31% — above the national median of 21%.
- 354th of 3,144 counties on the County Distress Index — Most distressed fifth, 8th in California.
- A rent-to-income ratio of 31% (U.S. median 21%). Rent-to-income ratio at the 97th percentile nationally.
- Unemployment at 5% — national median 4%, ranked at the 84th percentile.
- Credit card delinquency at 7% — national median 5%, ranked at the 78th percentile.
- Bankruptcy filing rate at 197 — national median 126, ranked at the 74th percentile.
Neighbors span three CDI distress fifths. The 37-point drop to Inyo County marks where the Inland Empire distress corridor ends.
"San Bernardino 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."
The Indicators Behind San Bernardino County's CDI Score
Every number traces to a public source. San Bernardino County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | San Bernardino | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 73 · Rank 731 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 4% | 5% | 67th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 5% | 5% | 78th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 30% | 20% | 23% | 75th | Urban Institute (2024) |
| Default & Legal — domain score 66 · Rank 892 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 25% | 18% | 23% | 58th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 197 | 119 | 126 | 74th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 97 · Rank 31 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 31% | 27% | 21% | 97th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 29% | 25% | 18% | 96th | Census ACS 5-yr (2023) |
| Labor — domain score 84 · Rank 484 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 5% | 4% | 84th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 43 · Rank 1,823 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 17% | 16% | 18% | 48th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 13% | 16% | 15th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 13% | 14% | 47th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 24% | 24% | 27% | 34th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 8% | 6% | 8% | 54th | 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 San Bernardino County data — in under 60 seconds.
Draft wire copy 151-word AP-style article — use freely with attribution
SAN BERNARDINO, Calif. — San Bernardino County ranks 354th 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 73 out of 100 places San Bernardino in the most distressed fifth. Among 3,144 U.S. counties scored, 353 counties rank more distressed. Within California, San Bernardino ranks eighth of 58 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 debt burden (housing basis) as the primary driver in San Bernardino. A rent-to-income ratio of 31% — above the national median of 21%.
"San Bernardino 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 San Bernardino County's CDI score, and what does it mean?
What drives San Bernardino County's distress score?
How does San Bernardino County compare to its neighbors?
How is the County Distress Index calculated?
San Bernardino County resident looking for help? HUD counselors, legal aid, and attorney referrals →