Hinsdale County, Colorado

County Distress Index: Healthy · 28.1 | 765 people · 58th most distressed in Colorado
American Default Research

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Hinsdale County, CO ranks among the least distressed counties in the country at 28.1 — 2845th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Colorado, it ranks 58th of 64 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Hinsdale County's primary driver is Legal Distress at 86.7 — worse than roughly 87% of U.S. counties.

Legal Distress Primary driver 86.7
Bankruptcy Filing Rate 87
Economic Vitality 58.0
Wage-to-Rent Ratio 90
Rent-to-Income Ratio 30
Business Formation Rate 5
House Price Change (YoY) 84
Structural Poverty 32.7
Unemployment Rate 45
Poverty Rate 5
Income vs. State Median 55
Child Poverty Rate 47
Disability Rate 10
Transfer Income Dependency 27
Consumer Credit Distress 21.4
Debt in Collections 21
Medical Debt 7
Auto Loan Delinquency 22
Credit Card Delinquency 32
Uninsured Rate 69
Subprime Credit Population 5
Housing Cost Burden 7.5
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 6
Homeownership Rate 20

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hinsdale County
Hinsdale County, CO 28.1 Healthy —
Saguache County, CO 47.9 Normal +19.8
Mineral County, CO 46.9 Normal +18.9
San Juan County, CO 41.3 Normal +13.2
La Plata County, CO 36.4 Normal +8.4
Archuleta County, CO 32.5 Healthy +4.4
Gunnison County, CO 32.4 Healthy +4.3
Ouray County, CO 30.4 Healthy +2.4

Population Peers

CountyScoreZonevs. Hinsdale County
Sanborn County, SD 28.0 Healthy -0.0
Stanton County, KS 28.0 Healthy -0.0
Keya Paha County, NE 28.0 Healthy -0.1
Phillips County, CO 28.1 Healthy +0.1
Hayes County, NE 28.0 Healthy -0.1

Download Data

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

Find Help in Hinsdale 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 Hinsdale 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.

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Frequently Asked Questions

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

    Hinsdale County has a County Distress Index score of 28.1 out of 100, placing it in the Healthy zone. It ranks 2,845th nationally out of 3,144 counties and 58th in Colorado out of 64 counties.

  • What drives financial distress in Hinsdale County?

    The primary driver of distress in Hinsdale County is Legal Distress, where the county scores 86.7 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Hinsdale County compare to neighboring counties?

    Hinsdale County (28.1) can be compared to its 7 neighboring counties: Saguache County, CO (47.9); Mineral County, CO (46.9); San Juan County, CO (41.3).

  • 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). Hinsdale County's score of 28.1 sits in the Healthy zone (below 46).

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

    Hinsdale 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 Hinsdale County?

    Hinsdale County, Colorado has a population of approximately 765 (2023 Census estimate), classified as a tiny county.