Lander County, Nevada

County Distress Index: Normal · 49.5 | 5,769 people · 12th most distressed in Nevada
American Default Research

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Lander County, NV falls within the normal range for household financial distress at 49.5 — 1601st 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 12th 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. Lander County's primary driver is Consumer Credit Distress at 64.1 — above the national median.

Consumer Credit Distress Primary driver 64.1
Debt in Collections 77
Medical Debt 95
Auto Loan Delinquency 30
Credit Card Delinquency 75
Uninsured Rate 19
Subprime Credit Population 68
Housing Cost Burden 43.9
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 21
Mortgage-Burdened (30%+) 5
Homeownership Rate 80
Legal Distress 38.1
Bankruptcy Filing Rate 38
Economic Vitality 30.5
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 11
Business Formation Rate 95
House Price Change (YoY) 95
Structural Poverty 27.1
Unemployment Rate 64
Poverty Rate 33
Income vs. State Median 21
Child Poverty Rate 22
Disability Rate 36
Transfer Income Dependency 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Lander County
Lander County, NV 49.5 Normal —
Nye County, NV 66.0 Serious +16.5
Churchill County, NV 57.5 Elevated +8.0
Pershing County, NV 52.8 Elevated +3.2
Eureka County, NV 50.1 Elevated +0.6
Elko County, NV 47.7 Normal -1.8
Humboldt County, NV 43.0 Normal -6.5

Population Peers

CountyScoreZonevs. Lander County
Oldham County, TX 49.6 Normal +0.1
Shannon County, MO 49.7 Normal +0.1
Hall County, TX 49.1 Normal -0.4
Martin County, TX 49.1 Normal -0.4
Reynolds County, MO 49.0 Normal -0.5

Download Data

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

Find Help in Lander 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 Lander 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 Lander County, Nevada?

    Lander County has a County Distress Index score of 49.5 out of 100, placing it in the Normal zone. It ranks 1,601st nationally out of 3,144 counties and 12th in Nevada out of 17 counties.

  • What drives financial distress in Lander County?

    The primary driver of distress in Lander County is Consumer Credit Distress, where the county scores 64.1 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Lander County compare to neighboring counties?

    Lander County (49.5) can be compared to its 6 neighboring counties: Nye County, NV (66.0); Churchill County, NV (57.5); Pershing County, NV (52.8).

  • 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). Lander County's score of 49.5 sits in the Normal zone (46–55).

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

    Lander 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 Lander County?

    Lander County, Nevada has a population of approximately 5,769 (2023 Census estimate), classified as a tiny county.