Anoka County, Minnesota

County Distress Index: Normal · 38.2 | 372,441 people · 19th most distressed in Minnesota
American Default Research

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Anoka County, MN falls within the normal range for household financial distress at 38.2 — 2301st nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Minnesota, it ranks 19th of 87 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Anoka County's primary driver is Legal Distress at 81.3 — worse than roughly 81% of U.S. counties.

Legal Distress Primary driver 81.3
Bankruptcy Filing Rate 81
Housing Cost Burden 74.3
Rent-Burdened (30%+) 91
Severely Rent-Burdened (50%+) 78
Mortgage-Burdened (30%+) 86
Homeownership Rate 19
Economic Vitality 63.5
Wage-to-Rent Ratio 84
Rent-to-Income Ratio 51
Business Formation Rate 29
House Price Change (YoY) 65
Consumer Credit Distress 16.5
Debt in Collections 11
Medical Debt 14
Auto Loan Delinquency 17
Credit Card Delinquency 20
Uninsured Rate 11
Subprime Credit Population 23
Structural Poverty 14.3
Unemployment Rate 61
Poverty Rate 3
Income vs. State Median 9
Child Poverty Rate 4
Disability Rate 5
Transfer Income Dependency 14

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Anoka County
Anoka County, MN 38.2 Normal —
Ramsey County, MN 47.6 Normal +9.5
Isanti County, MN 43.6 Normal +5.4
Chisago County, MN 38.2 Normal +0.1
Hennepin County, MN 37.5 Normal -0.7
Sherburne County, MN 32.9 Healthy -5.3
Washington County, MN 31.7 Healthy -6.5

Population Peers

CountyScoreZonevs. Anoka County
Cumberland County, PA 38.2 Normal -0.0
Westmoreland County, PA 38.1 Normal -0.1
Jefferson County, CO 37.7 Normal -0.4
Frederick County, MD 38.8 Normal +0.6
Kitsap County, WA 38.9 Normal +0.7

Download Data

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

Find Help in Anoka County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Anoka County.

ANOKA COUNTY COMMUNITY ACTION PROGRAM, INC
Blaine
763-783-4747x4851 Website
Foreclosure PreventionPost-PurchasePre-PurchaseHomebuyer Education

See all counselors in Minnesota →

Find an Attorney

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

Minnesota State Bar Association Lawyer Referral 612-278-6333

Free Legal Aid

Legal aid organizations serving Anoka County residents at no cost.

Legal Aid Society of Minneapolis 612-334-5970
Mid-Minnesota Legal Aid 612-332-1441
Southern Minnesota Regional Legal Services 1-888-575-2954
Central Minnesota Legal Services, Inc. (612) 334-5970
Legal Aid Service of Northeastern Minnesota (800) 933-1112
Legal Services of Northwest Minnesota Corporation (800) 450-8585

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 Minnesota →

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Frequently Asked Questions

  • What is the distress score for Anoka County, Minnesota?

    Anoka County has a County Distress Index score of 38.2 out of 100, placing it in the Normal zone. It ranks 2,301st nationally out of 3,144 counties and 19th in Minnesota out of 87 counties.

  • What drives financial distress in Anoka County?

    The primary driver of distress in Anoka County is Legal Distress, where the county scores 81.3 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Anoka County compare to neighboring counties?

    Anoka County (38.2) can be compared to its 6 neighboring counties: Ramsey County, MN (47.6); Isanti County, MN (43.6); Chisago County, MN (38.2).

  • 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). Anoka County's score of 38.2 sits in the Normal zone (46–55).

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

    Anoka 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 Anoka County?

    Anoka County, Minnesota has a population of approximately 372,441 (2023 Census estimate), classified as a large county.