Lyon County, Nevada

County Distress Index: Elevated · 64.1 | 62,583 people · 4th most distressed in Nevada
American Default Research

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

Lyon County, NV registers elevated household financial distress with a score of 64.1 — 702nd nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Nevada, it ranks 4th of 17 counties. It scores higher 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. Lyon County's primary driver is Legal Distress at 74.8 — above the national median.

Legal Distress Primary driver 74.8
Bankruptcy Filing Rate 75
Housing Cost Burden 70.8
Rent-Burdened (30%+) 70
Severely Rent-Burdened (50%+) 78
Mortgage-Burdened (30%+) 94
Homeownership Rate 38
Consumer Credit Distress 66.7
Debt in Collections 71
Medical Debt 92
Auto Loan Delinquency 66
Credit Card Delinquency 55
Uninsured Rate 58
Subprime Credit Population 60
Economic Vitality 55.6
Wage-to-Rent Ratio 58
Rent-to-Income Ratio 42
Business Formation Rate 65
House Price Change (YoY) 66
Structural Poverty 43.9
Unemployment Rate 69
Poverty Rate 17
Income vs. State Median 49
Child Poverty Rate 18
Disability Rate 68
Transfer Income Dependency 42

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Lyon County
Lyon County, NV 64.1 Elevated —
Carson City, NV 61.7 Elevated -2.4
Mineral County, NV 60.3 Elevated -3.8
Washoe County, NV 59.5 Elevated -4.6
Storey County, NV 58.2 Elevated -5.9
Churchill County, NV 57.5 Elevated -6.6
Douglas County, NV 39.9 Normal -24.2
Mono County, CA 31.6 Healthy -32.4

Population Peers

CountyScoreZonevs. Lyon County
Whitfield County, GA 64.1 Elevated 0.0
Raleigh County, WV 64.1 Elevated 0.0
Onslow County, NC 64.2 Elevated +0.1
Clay County, FL 64.2 Elevated +0.1
Rutherford County, NC 64.2 Elevated +0.1

Download Data

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

Find Help in Lyon 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 Lyon 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.

Need legal help? Find a foreclosure defense attorney in Nevada →

Continue Reading

Frequently Asked Questions

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

    Lyon County has a County Distress Index score of 64.1 out of 100, placing it in the Elevated zone. It ranks 702nd nationally out of 3,144 counties and 4th in Nevada out of 17 counties.

  • What drives financial distress in Lyon County?

    The primary driver of distress in Lyon County is Legal Distress, where the county scores 74.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Lyon County compare to neighboring counties?

    Lyon County (64.1) can be compared to its 7 neighboring counties: Carson City, NV (61.7); Mineral County, NV (60.3); Washoe County, NV (59.5).

  • 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 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). Lyon County's score of 64.1 sits in the Elevated zone (55–71).

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

    Lyon 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 Lyon County?

    Lyon County, Nevada has a population of approximately 62,583 (2023 Census estimate), classified as a mid county.