Twin Falls County, Idaho

County Distress Index: Elevated · 50.2 | 95,156 people · 6th most distressed in Idaho
American Default Research

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Twin Falls County, ID registers elevated household financial distress with a score of 50.2 — 1561st 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 Idaho, it ranks 6th of 44 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. Twin Falls County's primary driver is Economic Vitality at 69.2 — above the national median.

Economic Vitality Primary driver 69.2
Wage-to-Rent Ratio 85
Rent-to-Income Ratio 68
Business Formation Rate 23
House Price Change (YoY) 82
Housing Cost Burden 65.3
Rent-Burdened (30%+) 79
Severely Rent-Burdened (50%+) 43
Mortgage-Burdened (30%+) 86
Homeownership Rate 72
Legal Distress 64.8
Bankruptcy Filing Rate 65
Consumer Credit Distress 41.9
Debt in Collections 41
Medical Debt 39
Auto Loan Delinquency 45
Credit Card Delinquency 39
Uninsured Rate 66
Subprime Credit Population 36
Structural Poverty 33.8
Unemployment Rate 34
Poverty Rate 24
Income vs. State Median 53
Child Poverty Rate 23
Disability Rate 33
Transfer Income Dependency 29

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Twin Falls County
Twin Falls County, ID 50.2 Elevated —
Owyhee County, ID 52.9 Elevated +2.7
Elko County, NV 47.7 Normal -2.5
Elmore County, ID 43.4 Normal -6.9
Cassia County, ID 43.1 Normal -7.1
Jerome County, ID 39.6 Normal -10.7
Gooding County, ID 38.7 Normal -11.5

Population Peers

CountyScoreZonevs. Twin Falls County
Oneida County, NY 50.3 Elevated +0.0
Stanly County, NC 50.3 Elevated +0.0
Lebanon County, PA 50.3 Elevated +0.0
Blair County, PA 50.2 Elevated -0.1
Fairfield County, OH 50.1 Elevated -0.1

Download Data

Export all distress indicators for Twin Falls County as a CSV file.

Find Help in Twin Falls County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Twin Falls County.

IDAHO HOUSING AND FINANCE ASSOCIATION--TWIN FALLS BRANCH OFFICE
Twin Falls
866-234-3435 Website
Foreclosure PreventionHomeless/DisplacementPre-PurchaseHomebuyer Education

See all counselors in Idaho →

Find an Attorney

Idaho State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Idaho State Bar Lawyer Referral Service 208-334-4500

Free Legal Aid

Legal aid organizations serving Twin Falls County residents at no cost.

Idaho Legal Aid Services, Inc. 208-336-8980
Idaho Volunteer Lawyers Program 208-334-4500

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 Idaho →

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Frequently Asked Questions

  • What is the distress score for Twin Falls County, Idaho?

    Twin Falls County has a County Distress Index score of 50.2 out of 100, placing it in the Elevated zone. It ranks 1,561st nationally out of 3,144 counties and 6th in Idaho out of 44 counties.

  • What drives financial distress in Twin Falls County?

    The primary driver of distress in Twin Falls County is Economic Vitality, where the county scores 69.2 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Twin Falls County compare to neighboring counties?

    Twin Falls County (50.2) can be compared to its 6 neighboring counties: Owyhee County, ID (52.9); Elko County, NV (47.7); Elmore County, ID (43.4).

  • 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 Elevated 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). Twin Falls County's score of 50.2 sits in the Elevated zone (55–71).

  • What data sources power Twin Falls County's CDI score?

    Twin Falls 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 Twin Falls County?

    Twin Falls County, Idaho has a population of approximately 95,156 (2023 Census estimate), classified as a mid county.