Larimer County, Colorado

County Distress Index: Normal · 40.7 | 370,771 people · 32nd most distressed in Colorado
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Larimer County, CO falls within the normal range for household financial distress at 40.7 — 2147th 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 32nd of 64 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Larimer County's primary driver is Housing Cost Burden at 92.2 — worse than roughly 92% of U.S. counties.

Housing Cost Burden Primary driver 92.2
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 88
Homeownership Rate 86
Economic Vitality 64.8
Wage-to-Rent Ratio 79
Rent-to-Income Ratio 70
Business Formation Rate 10
House Price Change (YoY) 86
Legal Distress 55.5
Bankruptcy Filing Rate 56
Consumer Credit Distress 17.2
Debt in Collections 12
Medical Debt 7
Auto Loan Delinquency 26
Credit Card Delinquency 22
Uninsured Rate 26
Subprime Credit Population 15
Structural Poverty 14.6
Unemployment Rate 38
Poverty Rate 22
Income vs. State Median 16
Child Poverty Rate 4
Disability Rate 6
Transfer Income Dependency 7

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Larimer County
Larimer County, CO 40.7 Normal —
Weld County, CO 50.4 Elevated +9.6
Laramie County, WY 49.0 Normal +8.2
Albany County, WY 48.0 Normal +7.2
Boulder County, CO 34.0 Healthy -6.7
Grand County, CO 31.7 Healthy -9.0
Jackson County, CO 25.1 Healthy -15.6

Population Peers

CountyScoreZonevs. Larimer County
St. Johns County, FL 40.7 Normal -0.0
Naugatuck Valley Planning Region, CT 40.6 Normal -0.1
Anne Arundel County, MD 40.9 Normal +0.2
Westchester County, NY 41.0 Normal +0.3
Snohomish County, WA 41.0 Normal +0.3

Download Data

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

Find Help in Larimer County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Larimer County.

NEIGHBOR TO NEIGHBOR
Fort Collins
970-484-7498 Website
Foreclosure PreventionPre-PurchaseHomebuyer EducationRental Help

See all counselors in Colorado →

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 Larimer 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 →

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Frequently Asked Questions

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

    Larimer County has a County Distress Index score of 40.7 out of 100, placing it in the Normal zone. It ranks 2,147th nationally out of 3,144 counties and 32nd in Colorado out of 64 counties.

  • What drives financial distress in Larimer County?

    The primary driver of distress in Larimer County is Housing Cost Burden, where the county scores 92.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Larimer County compare to neighboring counties?

    Larimer County (40.7) can be compared to its 6 neighboring counties: Weld County, CO (50.4); Laramie County, WY (49.0); Albany County, WY (48.0).

  • 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 Normal 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). Larimer County's score of 40.7 sits in the Normal zone (46–55).

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

    Larimer 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 Larimer County?

    Larimer County, Colorado has a population of approximately 370,771 (2023 Census estimate), classified as a large county.