Mineral County, Colorado

County Distress Index: Normal · 46.9 | 944 people · 22nd most distressed in Colorado
American Default Research

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Mineral County, CO falls within the normal range for household financial distress at 46.9 — 1782nd 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 22nd of 64 counties. Its score is in the middle of its 4 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Mineral County's primary driver is Housing Cost Burden at 88.5 — worse than roughly 89% of U.S. counties.

Housing Cost Burden Primary driver 88.5
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 95
Homeownership Rate 54
Economic Vitality 77.8
Wage-to-Rent Ratio 94
Rent-to-Income Ratio 95
Business Formation Rate 5
House Price Change (YoY) 84
Structural Poverty 43.5
Unemployment Rate 61
Poverty Rate 18
Income vs. State Median 95
Child Poverty Rate 46
Disability Rate 7
Transfer Income Dependency 23
Legal Distress 42.4
Bankruptcy Filing Rate 42
Consumer Credit Distress 23.1
Debt in Collections 21
Medical Debt 7
Auto Loan Delinquency 22
Credit Card Delinquency 32
Uninsured Rate 90
Subprime Credit Population 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Mineral County
Mineral County, CO 46.9 Normal —
Rio Grande County, CO 48.0 Normal +1.1
Saguache County, CO 47.9 Normal +1.0
Archuleta County, CO 32.5 Healthy -14.4
Hinsdale County, CO 28.1 Healthy -18.9

Population Peers

CountyScoreZonevs. Mineral County
Goliad County, TX 46.9 Normal -0.0
Corson County, SD 46.9 Normal -0.0
Dillingham Census Area, AK 46.8 Normal -0.1
Hickman County, KY 46.8 Normal -0.1
White Pine County, NV 46.7 Normal -0.2

Download Data

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

Find Help in Mineral 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 Mineral 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 Mineral County, Colorado?

    Mineral County has a County Distress Index score of 46.9 out of 100, placing it in the Normal zone. It ranks 1,782nd nationally out of 3,144 counties and 22nd in Colorado out of 64 counties.

  • What drives financial distress in Mineral County?

    The primary driver of distress in Mineral County is Housing Cost Burden, where the county scores 88.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Mineral County compare to neighboring counties?

    Mineral County (46.9) can be compared to its 4 neighboring counties: Rio Grande County, CO (48.0); Saguache County, CO (47.9); Archuleta County, CO (32.5).

  • 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 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). Mineral County's score of 46.9 sits in the Normal zone (46–55).

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

    Mineral 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 Mineral County?

    Mineral County, Colorado has a population of approximately 944 (2023 Census estimate), classified as a tiny county.