Collier County, Florida

County Distress Index: Normal · 49.8 | 404,310 people · 61st most distressed in Florida
American Default Research

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Collier County, FL falls within the normal range for household financial distress at 49.8 — 1586th 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 Florida, it ranks 61st of 67 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Collier County's primary driver is Housing Cost Burden at 86.8 — worse than roughly 87% of U.S. counties.

Housing Cost Burden Primary driver 86.8
Rent-Burdened (30%+) 99
Severely Rent-Burdened (50%+) 99
Mortgage-Burdened (30%+) 72
Homeownership Rate 41
Economic Vitality 74.2
Wage-to-Rent Ratio 92
Rent-to-Income Ratio 85
Business Formation Rate 1
House Price Change (YoY) 94
Legal Distress 46.9
Bankruptcy Filing Rate 47
Consumer Credit Distress 36.1
Debt in Collections 25
Medical Debt 60
Auto Loan Delinquency 30
Credit Card Delinquency 33
Uninsured Rate 72
Subprime Credit Population 25
Structural Poverty 22.3
Unemployment Rate 74
Poverty Rate 24
Income vs. State Median 8
Child Poverty Rate 39
Disability Rate 13
Transfer Income Dependency 1

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Collier County
Collier County, FL 49.8 Normal —
Hendry County, FL 77.7 Serious +27.9
Miami-Dade County, FL 70.7 Serious +20.9
Broward County, FL 69.5 Serious +19.6
Lee County, FL 64.1 Elevated +14.3
Monroe County, FL 60.8 Elevated +11.0

Population Peers

CountyScoreZonevs. Collier County
Denver County, CO 49.7 Normal -0.1
Williamson County, TX 49.7 Normal -0.1
Richmond County, NY 50.1 Elevated +0.3
Monroe County, NY 50.2 Elevated +0.4
Burlington County, NJ 49.4 Normal -0.5

Download Data

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

Find Help in Collier County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Collier County.

HOUSING DEVELOPMENT CORPORATION OF SW FLORIDA, INC.
Naples
239-434-2397 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingPre-Purchase

See all counselors in Florida →

Find an Attorney

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

The Florida Bar — Lawyer Referral Service 1-800-342-8011

Free Legal Aid

Legal aid organizations serving Collier County residents at no cost.

Florida Rural Legal Services (FRLS) 1-239-334-4554
Legal Services of Greater Miami (LSGMI) 1-305-576-0080
Coast to Coast Legal Aid of South Florida 1-954-736-2400
Community Legal Services of Mid-Florida (CLSMF) 1-800-405-1417
Bay Area Legal Services 1-800-625-2257
Legal Services of North Florida 1-850-385-9007
Three Rivers Legal Services 1-866-256-8091

Self-Help Resources

The Florida Bar — Foreclosure Crisis Help for Consumers Official Florida Bar resource page for homeowners facing foreclosure, including information on finding an attorney, legal aid referrals, and understanding the foreclosure process.
Florida Courts — Residential Mortgage Foreclosure Cases Florida Supreme Court page with information on residential mortgage foreclosure cases, including links to administrative orders, mediation resources, and the Managed Mediation program.
Florida AG — Resources Available to Distressed Homeowners Florida Attorney General's office page with resources for distressed homeowners, including information on mortgage fraud, foreclosure rescue scams, and how to file complaints.
Florida LawHelp Statewide legal aid directory connecting Floridians with free legal information and local legal aid providers for foreclosure prevention and other civil legal needs.

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 Florida →

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Frequently Asked Questions

  • What is the distress score for Collier County, Florida?

    Collier County has a County Distress Index score of 49.8 out of 100, placing it in the Normal zone. It ranks 1,586th nationally out of 3,144 counties and 61st in Florida out of 67 counties.

  • What drives financial distress in Collier County?

    The primary driver of distress in Collier County is Housing Cost Burden, where the county scores 86.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Collier County compare to neighboring counties?

    Collier County (49.8) can be compared to its 5 neighboring counties: Hendry County, FL (77.7); Miami-Dade County, FL (70.7); Broward County, FL (69.5).

  • 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). Collier County's score of 49.8 sits in the Normal zone (46–55).

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

    Collier 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 Collier County?

    Collier County, Florida has a population of approximately 404,310 (2023 Census estimate), classified as a large county.