San Mateo County, California
Above the national median for rent-to-income ratio — and 2.8× the rate of the healthiest U.S. county (Loving County, TX — 10%).
Main Findings
San Mateo County, California is more distressed than 14% of U.S. counties on the County Distress Index. San Mateo sits near the national median across major distress indicators. Its highest-scoring domain is Debt Burden (housing basis) and its lowest is Safety Net & Buffer.
- 56th of 58 counties in California on the County Distress Index — 14 · very low county distress, more distressed than 14% of U.S. counties.
- A rent-to-income ratio of 28% (U.S. median 21%). Rent-to-income ratio at the 93rd percentile nationally. Source: HUD FMR (FY2027); U.S. Census Bureau, SAIPE (2024).
- Labor domain score 30 — weight 20.0% of the CDI composite. Source: American Default Research.
- Delinquency domain score 10 — weight 20.0% of the CDI composite. Source: American Default Research.
- Default & Legal domain score 10 — weight 20.0% of the CDI composite. Source: American Default Research.
San Mateo County has a very low county distress score. The rank and domain mix show where the county still sits in the national cross-section.
The CDI gives this county a very low county distress label. The rank is still reported because low score intensity and relative position are different measures. Its highest-scoring domain is Debt Burden (housing basis).
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 San Mateo County's CDI Score
Every number traces to a public source. San Mateo County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | San Mateo | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 10 · Rank 2,990 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 4% | 5% | 16th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 3% | 5% | 5% | 10th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 13% | 20% | 23% | 5th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 10 · Rank 3,037 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 10% | 18% | 23% | 3rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 64 | 119 | 126 | 17th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 88 · Rank 204 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 27% | 21% | 93rd | 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 | 24% | 26% | 18% | 82nd | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 30 · Rank 2,368 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) | 16% | 23% | 21% | 22nd | 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) | 4% | 6% | 4% | 39th | 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 4 · Rank 3,120 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 7% | 16% | 17% | 4th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 9% | 13% | 16% | 3rd | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 7% | 13% | 13% | 5th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 6% | 8% | 7th | 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 San Mateo County data.
Draft wire copy 128-word AP-style article — use freely with attribution
REDWOOD CITY, Calif. — San Mateo County is more distressed than 14% of U.S. counties, according to the County Distress Index released this month by American Default Research.
San Mateo scores 14 out of 100, which means it is more distressed than 14% of U.S. counties; its score label is very low county distress. Within California, San Mateo ranks 56th 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, finds San Mateo sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
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 San Mateo County's CDI score, and what does it mean?
What drives San Mateo County's distress score?
How does San Mateo County compare to its neighbors?
How is the County Distress Index calculated?
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