Humboldt County, Nevada

County Distress Index: Normal · 43.0 | 17,136 people · 16th most distressed in Nevada
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Humboldt County, NV falls within the normal range for household financial distress at 43.0 — 2013th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where debt and delinquency levels sit above the national average. Within Nevada, it ranks 16th of 17 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Humboldt County's primary driver is Consumer Credit Distress at 52.5 — above the national median.

Consumer Credit Distress Primary driver 52.5
Debt in Collections 67
Medical Debt 82
Auto Loan Delinquency 9
Credit Card Delinquency 55
Uninsured Rate 50
Subprime Credit Population 54
Legal Distress 44.9
Bankruptcy Filing Rate 45
Housing Cost Burden 36.7
Rent-Burdened (30%+) 23
Severely Rent-Burdened (50%+) 30
Mortgage-Burdened (30%+) 81
Homeownership Rate 54
Structural Poverty 28.9
Unemployment Rate 45
Poverty Rate 24
Income vs. State Median 31
Child Poverty Rate 28
Disability Rate 33
Transfer Income Dependency 19
Economic Vitality 28.8
Wage-to-Rent Ratio 18
Rent-to-Income Ratio 32
Business Formation Rate 58
House Price Change (YoY) 15

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Humboldt County
Humboldt County, NV 43.0 Normal —
Washoe County, NV 59.5 Elevated +16.4
Malheur County, OR 56.2 Elevated +13.2
Owyhee County, ID 52.9 Elevated +9.9
Pershing County, NV 52.8 Elevated +9.7
Lander County, NV 49.5 Normal +6.5
Elko County, NV 47.7 Normal +4.7
Harney County, OR 44.9 Normal +1.9

Population Peers

CountyScoreZonevs. Humboldt County
Bennington County, VT 43.0 Normal -0.0
Cassia County, ID 43.1 Normal +0.0
Gloucester County, VA 43.1 Normal +0.1
Cooper County, MO 43.1 Normal +0.1
Baker County, OR 42.9 Normal -0.1

Download Data

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

Find Help in Humboldt 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 Humboldt 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

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Frequently Asked Questions

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

    Humboldt County has a County Distress Index score of 43.0 out of 100, placing it in the Normal zone. It ranks 2,013th nationally out of 3,144 counties and 16th in Nevada out of 17 counties.

  • What drives financial distress in Humboldt County?

    The primary driver of distress in Humboldt County is Consumer Credit Distress, where the county scores 52.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Humboldt County compare to neighboring counties?

    Humboldt County (43.0) can be compared to its 7 neighboring counties: Washoe County, NV (59.5); Malheur County, OR (56.2); Owyhee County, ID (52.9).

  • 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). Humboldt County's score of 43.0 sits in the Normal zone (46–55).

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

    Humboldt 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 Humboldt County?

    Humboldt County, Nevada has a population of approximately 17,136 (2023 Census estimate), classified as a small county.