Pasco County, Florida

County Distress Index: Serious · 65.2 | 632,996 people · 34th most distressed in Florida
American Default Research

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Pasco County, FL shows significant household financial distress with a score of 65.2 — 632nd nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within Florida, it ranks 34th of 67 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Pasco County's primary driver is Economic Vitality at 81.9 — worse than roughly 82% of U.S. counties.

Economic Vitality Primary driver 81.9
Wage-to-Rent Ratio 99
Rent-to-Income Ratio 99
Business Formation Rate 6
House Price Change (YoY) 94
Legal Distress 81.1
Bankruptcy Filing Rate 81
Housing Cost Burden 80.9
Rent-Burdened (30%+) 94
Severely Rent-Burdened (50%+) 84
Mortgage-Burdened (30%+) 79
Homeownership Rate 44
Consumer Credit Distress 59.4
Debt in Collections 58
Medical Debt 52
Auto Loan Delinquency 59
Credit Card Delinquency 61
Uninsured Rate 69
Subprime Credit Population 61
Structural Poverty 39.8
Unemployment Rate 80
Poverty Rate 24
Income vs. State Median 32
Child Poverty Rate 21
Disability Rate 57
Transfer Income Dependency 35

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Pasco County
Pasco County, FL 65.2 Serious —
Polk County, FL 79.0 Serious +13.8
Hillsborough County, FL 71.5 Serious +6.3
Hernando County, FL 70.1 Serious +4.9
Pinellas County, FL 61.0 Elevated -4.2
Sumter County, FL 42.2 Normal -23.0

Population Peers

CountyScoreZonevs. Pasco County
Lake County, FL 65.0 Serious -0.2
Stanislaus County, CA 64.5 Elevated -0.7
Galveston County, TX 64.4 Elevated -0.8
Lee County, FL 64.1 Elevated -1.1
Jackson County, MO 66.3 Serious +1.1

Download Data

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

Find Help in Pasco County

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 Pasco 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 Pasco County, Florida?

    Pasco County has a County Distress Index score of 65.2 out of 100, placing it in the Serious zone. It ranks 632nd nationally out of 3,144 counties and 34th in Florida out of 67 counties.

  • What drives financial distress in Pasco County?

    The primary driver of distress in Pasco County is Economic Vitality, where the county scores 81.9 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Pasco County compare to neighboring counties?

    Pasco County (65.2) can be compared to its 5 neighboring counties: Polk County, FL (79.0); Hillsborough County, FL (71.5); Hernando County, FL (70.1).

  • 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 Serious 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). Pasco County's score of 65.2 sits in the Serious zone (71–86).

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

    Pasco 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 Pasco County?

    Pasco County, Florida has a population of approximately 632,996 (2023 Census estimate), classified as a large county.