Harding County, New Mexico
Above the national median for child poverty rate — and 8.6× the rate of the healthiest U.S. county (Douglas County, CO — 3%).
Main Findings
Harding County, New Mexico ranks 1,610th most distressed in the United States on the County Distress Index. The driver: 27% of children live below the federal poverty line — above the national median of 18%.
- 1,610th of 3,144 counties on the County Distress Index — Middle fifth, 30th in New Mexico.
- 27% of children live below the federal poverty line (U.S. median 18%). Child poverty rate at the 84th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 51st percentile.
- Credit card delinquency at 6% — national median 5%, ranked at the 55th percentile.
- Rent-to-income ratio at 26% — national median 21%, ranked at the 86th percentile.
Neighbors span two CDI distress fifths. The 16-point drop to Union County marks where the New Mexico distress corridor ends.
"Harding County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story."
"The CDI places this county in the middle fifth nationally. The county sits near the center of the geography distribution, so the domain mix matters more than the composite alone."
The Indicators Behind Harding County's CDI Score
Every number traces to a public source. Harding County's value shown alongside NM's median and the U.S. median. Full CSV available for download.
| Indicator | Harding | NM median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 46 · Rank 1,708 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 5% | 5% | 52nd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 6% | 5% | 55th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 19% | 26% | 23% | 31st | Urban Institute (2024) |
| Default & Legal — domain score 42 · Rank 1,928 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 28% | 28% | 23% | 66th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 65 | 65 | 126 | 17th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 46 · Rank 1,747 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 26% | 21% | 86th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 0% | 18% | 18% | 5th | Census ACS 5-yr (2023) |
| Labor — domain score 51 · Rank 1,532 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 51st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 65 · Rank 988 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 27% | 27% | 18% | 84th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 20% | 16% | 83rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 15% | 19% | 14% | 62nd | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 33% | 34% | 27% | 79th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 9% | 8% | 28th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Harding County data — in under 60 seconds.
Draft wire copy 155-word AP-style article — use freely with attribution
MOSQUERO, N.M. — Harding County ranks 1,610th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 50 out of 100 places Harding in the middle fifth. Among 3,144 U.S. counties scored, 1,609 counties rank more distressed. Within New Mexico, Harding ranks 30th of 33 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies safety net & buffer as the primary driver in Harding. 27% of children live below the federal poverty line — above the national median of 18%.
"Harding County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Harding County's CDI score, and what does it mean?
What drives Harding County's distress score?
How does Harding County compare to its neighbors?
How is the County Distress Index calculated?
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