Moffat County, Colorado

County Distress Index: Normal · 42.2 | 13,327 people · 28th most distressed in Colorado
American Default Research

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Moffat County, CO falls within the normal range for household financial distress at 42.2 — 2056th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing remains relatively affordable compared to local incomes. Within Colorado, it ranks 28th of 64 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Moffat County's primary driver is Housing Cost Burden at 44.8 — above the national median.

Housing Cost Burden Primary driver 44.8
Rent-Burdened (30%+) 38
Severely Rent-Burdened (50%+) 40
Mortgage-Burdened (30%+) 58
Homeownership Rate 61
Consumer Credit Distress 44.3
Debt in Collections 48
Medical Debt 7
Auto Loan Delinquency 43
Credit Card Delinquency 45
Uninsured Rate 57
Subprime Credit Population 61
Structural Poverty 41.2
Unemployment Rate 55
Poverty Rate 27
Income vs. State Median 47
Child Poverty Rate 29
Disability Rate 47
Transfer Income Dependency 40
Legal Distress 34.9
Bankruptcy Filing Rate 35
Economic Vitality 32.5
Wage-to-Rent Ratio 44
Rent-to-Income Ratio 27
Business Formation Rate 6
House Price Change (YoY) 42

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Moffat County
Moffat County, CO 42.2 Normal —
Sweetwater County, WY 47.5 Normal +5.3
Uintah County, UT 41.3 Normal -0.9
Carbon County, WY 34.0 Healthy -8.1
Routt County, CO 28.5 Healthy -13.6
Daggett County, UT 25.3 Healthy -16.9
Rio Blanco County, CO 25.2 Healthy -17.0

Population Peers

CountyScoreZonevs. Moffat County
Polk County, NC 42.2 Normal 0.0
Shelby County, OH 42.2 Normal +0.0
Gasconade County, MO 42.1 Normal -0.1
Mille Lacs County, MN 42.1 Normal -0.1
Williams County, ND 42.1 Normal -0.1

Download Data

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

Find Help in Moffat 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 Moffat 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 Moffat County, Colorado?

    Moffat County has a County Distress Index score of 42.2 out of 100, placing it in the Normal zone. It ranks 2,056th nationally out of 3,144 counties and 28th in Colorado out of 64 counties.

  • What drives financial distress in Moffat County?

    The primary driver of distress in Moffat County is Housing Cost Burden, where the county scores 44.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Moffat County compare to neighboring counties?

    Moffat County (42.2) can be compared to its 6 neighboring counties: Sweetwater County, WY (47.5); Uintah County, UT (41.3); Carbon County, WY (34.0).

  • 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). Moffat County's score of 42.2 sits in the Normal zone (46–55).

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

    Moffat 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 Moffat County?

    Moffat County, Colorado has a population of approximately 13,327 (2023 Census estimate), classified as a small county.