Churchill County, Nevada

County Distress Index: Elevated · 57.5 | 25,803 people · 9th most distressed in Nevada
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Churchill County, NV registers elevated household financial distress with a score of 57.5 — 1119th 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 Nevada, it ranks 9th of 17 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Churchill County's primary driver is Economic Vitality at 68.9 — above the national median.

Economic Vitality Primary driver 68.9
Wage-to-Rent Ratio 71
Rent-to-Income Ratio 71
Business Formation Rate 62
House Price Change (YoY) 61
Consumer Credit Distress 58.1
Debt in Collections 53
Medical Debt 75
Auto Loan Delinquency 50
Credit Card Delinquency 63
Uninsured Rate 56
Subprime Credit Population 55
Housing Cost Burden 57.5
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 38
Mortgage-Burdened (30%+) 79
Homeownership Rate 77
Structural Poverty 52.5
Unemployment Rate 61
Poverty Rate 27
Income vs. State Median 61
Child Poverty Rate 28
Disability Rate 87
Transfer Income Dependency 49
Legal Distress 48.9
Bankruptcy Filing Rate 49

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Churchill County
Churchill County, NV 57.5 Elevated —
Nye County, NV 66.0 Serious +8.5
Lyon County, NV 64.1 Elevated +6.6
Mineral County, NV 60.3 Elevated +2.7
Washoe County, NV 59.5 Elevated +1.9
Pershing County, NV 52.8 Elevated -4.8
Lander County, NV 49.5 Normal -8.0

Population Peers

CountyScoreZonevs. Churchill County
Torrance County, NM 57.5 Elevated +0.0
Pike County, GA 57.6 Elevated +0.0
Morgan County, TN 57.6 Elevated +0.1
Greenup County, KY 57.6 Elevated +0.1
West Feliciana Parish, LA 57.5 Elevated -0.1

Download Data

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

Find Help in Churchill County

Find an Attorney

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

State Bar of Nevada Lawyer Referral and Information Service 702-382-0504

Free Legal Aid

Legal aid organizations serving Churchill County residents at no cost.

Nevada Legal Services 702-386-0404 (Las Vegas); 775-284-3491 (Reno)
Legal Aid Center of Southern Nevada 702-386-1070
Washoe Legal Services 775-329-2727
State Bar of Nevada Lawyer Referral Service 702-382-0504

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Churchill County, Nevada?

    Churchill County has a County Distress Index score of 57.5 out of 100, placing it in the Elevated zone. It ranks 1,119th nationally out of 3,144 counties and 9th in Nevada out of 17 counties.

  • What drives financial distress in Churchill County?

    The primary driver of distress in Churchill County is Economic Vitality, where the county scores 68.9 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Churchill County compare to neighboring counties?

    Churchill County (57.5) can be compared to its 6 neighboring counties: Nye County, NV (66.0); Lyon County, NV (64.1); Mineral County, NV (60.3).

  • 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). Churchill County's score of 57.5 sits in the Elevated zone (55–71).

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

    Churchill 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 Churchill County?

    Churchill County, Nevada has a population of approximately 25,803 (2023 Census estimate), classified as a small county.