Santa Clara County, California
Above the national median for rent-to-income ratio — and 2.3× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Santa Clara County, California ranks 2,565th most distressed in the United States on the County Distress Index. Santa Clara sits near the national median across major distress indicators.
- 2,565th of 3,144 counties on the County Distress Index — Least distressed fifth, 55th in California.
- A rent-to-income ratio of 27% (U.S. median 21%). Rent-to-income ratio at the 89th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 55th percentile.
- Delinquency domain score 12 — weight 20.0% of the CDI composite.
- Default & Legal domain score 10 — weight 20.0% of the CDI composite.
"Santa Clara County ranks in the least distressed fifth of U.S. counties. The CDI reading is a county comparison, separate from national ADI bands."
"The CDI places this county in the least distressed fifth nationally. The rank is a comparative geography measure across counties, not a national ADI band."
The Indicators Behind Santa Clara County's CDI Score
Every number traces to a public source. Santa Clara County's value shown alongside CA's median and the U.S. median. Full CSV available for download.
| Indicator | Santa Clara | CA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 12 · Rank 2,915 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 4% | 5% | 24th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 3% | 5% | 5% | 8th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 13% | 20% | 23% | 6th | Urban Institute (2024) |
| Default & Legal — domain score 10 · Rank 3,045 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 10% | 18% | 23% | 3rd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 63 | 119 | 126 | 16th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 77 · Rank 483 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 27% | 27% | 21% | 89th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 20% | 25% | 18% | 66th | Census ACS 5-yr (2023) |
| Labor — domain score 55 · Rank 1,371 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 55th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 4 · Rank 3,116 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 7% | 16% | 18% | 3rd | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 9% | 13% | 16% | 2nd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 8% | 13% | 14% | 5th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 7% | 24% | 27% | 1st | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 6% | 8% | 8th | 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 Clara County data — in under 60 seconds.
Draft wire copy 149-word AP-style article — use freely with attribution
SAN JOSE, Calif. — Santa Clara County ranks 2,565th 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 32 out of 100 places Santa Clara in the least distressed fifth. Among 3,144 U.S. counties scored, 2,564 counties rank more distressed. Within California, Santa Clara ranks 55th 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, finds Santa Clara sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"Santa Clara County ranks in the least distressed fifth of U.S. counties. The CDI reading is a county comparison, separate from national ADI bands," 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 Clara County's CDI score, and what does it mean?
What drives Santa Clara County's distress score?
How does Santa Clara County compare to its neighbors?
How is the County Distress Index calculated?
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