Grand County, Colorado

County Distress Index: Healthy · 31.7 | 15,935 people · 49th most distressed in Colorado
American Default Research

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

Grand County, CO ranks among the least distressed counties in the country at 31.7 — 2662nd 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 Colorado, it ranks 49th of 64 counties. Among its 8 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Grand County's primary driver is Housing Cost Burden at 76.3 — worse than roughly 76% of U.S. counties.

Housing Cost Burden Primary driver 76.3
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 82
Mortgage-Burdened (30%+) 92
Homeownership Rate 39
Economic Vitality 55.7
Wage-to-Rent Ratio 89
Rent-to-Income Ratio 28
Business Formation Rate 5
House Price Change (YoY) 68
Consumer Credit Distress 16.3
Debt in Collections 5
Medical Debt 7
Auto Loan Delinquency 7
Credit Card Delinquency 19
Uninsured Rate 82
Subprime Credit Population 15
Legal Distress 9.8
Bankruptcy Filing Rate 10
Structural Poverty 8.2
Unemployment Rate 10
Poverty Rate 8
Income vs. State Median 12
Child Poverty Rate 8
Disability Rate 5
Transfer Income Dependency 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Grand County
Grand County, CO 31.7 Healthy —
Larimer County, CO 40.7 Normal +9.0
Clear Creek County, CO 37.5 Normal +5.8
Gilpin County, CO 35.5 Normal +3.8
Eagle County, CO 34.4 Healthy +2.7
Boulder County, CO 34.0 Healthy +2.3
Routt County, CO 28.5 Healthy -3.2
Summit County, CO 27.9 Healthy -3.8
Jackson County, CO 25.1 Healthy -6.6

Population Peers

CountyScoreZonevs. Grand County
Skamania County, WA 31.7 Healthy -0.0
Mono County, CA 31.6 Healthy -0.1
Ramsey County, ND 31.6 Healthy -0.1
Montour County, PA 31.8 Healthy +0.1
Kandiyohi County, MN 31.9 Healthy +0.1

Download Data

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

Find Help in Grand County

Find an Attorney

Colorado Bar Association — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Colorado Bar Association — Lawyer Referral Service 303-831-8000

Free Legal Aid

Legal aid organizations serving Grand County residents at no cost.

Colorado Legal Services 303-837-1313 (Denver); 1-866-529-6257 (statewide)
Colorado Volunteer Lawyer Resource (CVLR) 303-722-0300
Colorado Bar Association — Lawyer Referral Service 303-831-8000 (Denver); 1-800-332-6736 (statewide)

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 Colorado →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Grand County, Colorado?

    Grand County has a County Distress Index score of 31.7 out of 100, placing it in the Healthy zone. It ranks 2,662nd nationally out of 3,144 counties and 49th in Colorado out of 64 counties.

  • What drives financial distress in Grand County?

    The primary driver of distress in Grand County is Housing Cost Burden, where the county scores 76.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Grand County compare to neighboring counties?

    Grand County (31.7) can be compared to its 8 neighboring counties: Larimer County, CO (40.7); Clear Creek County, CO (37.5); Gilpin County, CO (35.5).

  • 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 Healthy 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). Grand County's score of 31.7 sits in the Healthy zone (below 46).

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

    Grand 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 Grand County?

    Grand County, Colorado has a population of approximately 15,935 (2023 Census estimate), classified as a small county.