Hubbard County, Minnesota

County Distress Index: Normal · 36.4 | 22,132 people · 24th most distressed in Minnesota
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Hubbard County, MN falls within the normal range for household financial distress at 36.4 — 2399th 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 Minnesota, it ranks 24th of 87 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Hubbard County's primary driver is Housing Cost Burden at 68.1 — above the national median.

Housing Cost Burden Primary driver 68.1
Rent-Burdened (30%+) 72
Severely Rent-Burdened (50%+) 85
Mortgage-Burdened (30%+) 83
Homeownership Rate 8
Structural Poverty 48.9
Unemployment Rate 99
Poverty Rate 26
Income vs. State Median 48
Child Poverty Rate 29
Disability Rate 37
Transfer Income Dependency 58
Economic Vitality 44.6
Wage-to-Rent Ratio 59
Rent-to-Income Ratio 10
Business Formation Rate 60
House Price Change (YoY) 47
Legal Distress 38.0
Bankruptcy Filing Rate 38
Consumer Credit Distress 16.1
Debt in Collections 8
Medical Debt 7
Auto Loan Delinquency 25
Credit Card Delinquency 26
Uninsured Rate 20
Subprime Credit Population 14

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hubbard County
Hubbard County, MN 36.4 Normal —
Beltrami County, MN 45.4 Normal +9.0
Wadena County, MN 41.7 Normal +5.3
Cass County, MN 33.5 Healthy -2.9
Becker County, MN 30.7 Healthy -5.7
Clearwater County, MN 28.4 Healthy -8.0

Population Peers

CountyScoreZonevs. Hubbard County
Juneau County, WI 36.4 Normal 0.0
Sagadahoc County, ME 36.4 Normal -0.0
Gibson County, IN 36.4 Normal +0.0
Monroe County, WI 36.4 Normal -0.0
Miami County, KS 36.5 Normal +0.1

Download Data

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

Find Help in Hubbard County

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 Hubbard 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 →

Continue Reading

Frequently Asked Questions

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

    Hubbard County has a County Distress Index score of 36.4 out of 100, placing it in the Normal zone. It ranks 2,399th nationally out of 3,144 counties and 24th in Minnesota out of 87 counties.

  • What drives financial distress in Hubbard County?

    The primary driver of distress in Hubbard County is Housing Cost Burden, where the county scores 68.1 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Hubbard County compare to neighboring counties?

    Hubbard County (36.4) can be compared to its 5 neighboring counties: Beltrami County, MN (45.4); Wadena County, MN (41.7); Cass County, MN (33.5).

  • 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). Hubbard County's score of 36.4 sits in the Normal zone (46–55).

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

    Hubbard 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 Hubbard County?

    Hubbard County, Minnesota has a population of approximately 22,132 (2023 Census estimate), classified as a small county.