Tulare County, California

County Distress Index: Serious · 66.6 | 479,468 people · 8th most distressed in California
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Tulare County, CA shows significant household financial distress with a score of 66.6 — 573rd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within California, it ranks 8th of 58 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Tulare County's primary driver is Housing Cost Burden at 85.5 — worse than roughly 86% of U.S. counties.

Housing Cost Burden Primary driver 85.5
Rent-Burdened (30%+) 83
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 90
Homeownership Rate 94
Economic Vitality 83.5
Wage-to-Rent Ratio 89
Rent-to-Income Ratio 79
Business Formation Rate 94
House Price Change (YoY) 49
Structural Poverty 65.9
Unemployment Rate 99
Poverty Rate 76
Income vs. State Median 79
Child Poverty Rate 74
Disability Rate 16
Transfer Income Dependency 56
Consumer Credit Distress 57.3
Debt in Collections 52
Medical Debt 7
Auto Loan Delinquency 59
Credit Card Delinquency 83
Uninsured Rate 50
Subprime Credit Population 77
Legal Distress 50.3
Bankruptcy Filing Rate 50

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Tulare County
Tulare County, CA 66.6 Serious —
Kern County, CA 69.7 Serious +3.0
Fresno County, CA 67.1 Serious +0.4
Kings County, CA 66.8 Serious +0.1
Inyo County, CA 34.9 Healthy -31.8

Population Peers

CountyScoreZonevs. Tulare County
Montgomery County, OH 66.5 Serious -0.1
Lucas County, OH 66.8 Serious +0.2
Hampden County, MA 66.5 Serious -0.2
Atlantic County, NJ 66.9 Serious +0.3
Jackson County, MO 66.3 Serious -0.3

Download Data

Export all distress indicators for Tulare County as a CSV file.

Find Help in Tulare County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Tulare County.

COMMUNITY SERVICES AND EMPLOYMENT TRAINING, INC. (CSET)
Visalia
559-732-4194 Website
Fair HousingPre-PurchaseHomebuyer Education
SELF HELP ENTERPRISES
Visalia
559-802-1664
Financial CounselingFair HousingPre-PurchaseHomebuyer Education

See all counselors in California →

Find an Attorney

State Bar of California — Find a Lawyer offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of California — Find a Lawyer 1-866-442-2529

Free Legal Aid

Legal aid organizations serving Tulare County residents at no cost.

Legal Aid Foundation of Los Angeles (LAFLA) 1-800-399-4529
Neighborhood Legal Services of Los Angeles County (NLSLA) 1-800-433-6251
Bay Area Legal Aid 1-800-551-5554
Legal Services of Northern California 1-800-822-9687
California Rural Legal Assistance (CRLA) 1-800-337-0690
Inland Counties Legal Services (ICLS) 1-888-245-4257
Legal Aid Society of San Diego 1-877-534-2524
Community Legal Aid SoCal 1-800-834-5001
California Indian Legal Services, Inc. (760) 746-8941
Central California Legal Services (800) 675-8001
Greater Bakersfield Legal Assistance, Inc. (661) 325-5943

Self-Help Resources

California Courts Self-Help — Foreclosure and Mortgage Help Official California courts self-help resource with information on foreclosure procedures, homeowner rights, tenant protections in foreclosure, and links to free legal help.
LawHelpCA — Foreclosure Prevention Statewide legal aid directory connecting Californians with free legal information and local legal aid providers for foreclosure prevention, including links to self-help guides and intake forms.
California Attorney General — Homeowner Bill of Rights Official AG page explaining HBOR protections, including fact sheets on dual-tracking prohibition, single point of contact, and how to file a complaint about servicer violations.
DFPI Mortgage Relief Resources DFPI consumer resources for housing and mortgage issues, including information on PACE financing, foreclosure scam alerts, and how to file complaints against licensees.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in California →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Tulare County, California?

    Tulare County has a County Distress Index score of 66.6 out of 100, placing it in the Serious zone. It ranks 573rd nationally out of 3,144 counties and 8th in California out of 58 counties.

  • What drives financial distress in Tulare County?

    The primary driver of distress in Tulare County is Housing Cost Burden, where the county scores 85.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Tulare County compare to neighboring counties?

    Tulare County (66.6) can be compared to its 4 neighboring counties: Kern County, CA (69.7); Fresno County, CA (67.1); Kings County, CA (66.8).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Serious zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Tulare County's score of 66.6 sits in the Serious zone (71–86).

  • What data sources power Tulare County's CDI score?

    Tulare County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Tulare County?

    Tulare County, California has a population of approximately 479,468 (2023 Census estimate), classified as a large county.