McKinley County, New Mexico
More than double the national median for subprime credit share.
Main Findings
McKinley County, New Mexico is more distressed than 95% of U.S. counties on the County Distress Index. The driver: 49% of residents carry subprime credit (score below 660) — more than double the national median of 23%. Its highest-scoring domain is Delinquency and its lowest is Default & Legal.
- 2nd of 33 counties in New Mexico on the County Distress Index — 95 · extreme county distress, more distressed than 95% of U.S. counties.
- 49% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 100th percentile nationally. Source: Equifax data retrieved via FRED (2025).
- Adults 25-54 not working at 42% — national median 21%, ranked at the 99th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Poverty rate at 26% — national median 13%, ranked at the 97th percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Rent-to-income ratio at 30% — national median 21%, ranked at the 97th percentile. Source: U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024).
Neighbors span three CDI score labels. The 50-point drop to Sandoval County marks where the Navajo Nation distress corridor ends.
McKinley County has an extreme county distress score. The five-domain profile shows where local household pressure is most concentrated.
The CDI gives this county an extreme county distress label. The score is the plain-language signal; the national rank separately shows how the county compares with every other county-equivalent in the release. Its highest-scoring domain is Delinquency.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, SAIPE (2024), 32% of children under 18 in McKinley County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind McKinley County's CDI Score
Every number traces to a public source. McKinley County's value shown alongside NM's median and the U.S. median. Full CSV available for download.
| Indicator | McKinley | NM median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 98 · Rank 17 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 14% | 5% | 5% | 99th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 10% | 6% | 5% | 95th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 49% | 26% | 23% | 100th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 52 · Rank 1,464 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 44% | 28% | 23% | 98th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 38 | 65 | 126 | 5th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 69 · Rank 759 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 30% | 24% | 21% | 97th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 17% | 19% | 18% | 41st | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 97 · Rank 5 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 42% | 27% | 21% | 99th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 6% | 5% | 4% | 95th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 87 · Rank 127 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 32% | 25% | 17% | 94th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 16% | 20% | 16% | 55th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 26% | 18% | 13% | 97th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 17% | 9% | 8% | 93rd | U.S. Census Bureau, ACS 5-year (2024) |
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 scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite McKinley County data.
Draft wire copy 129-word AP-style article — use freely with attribution
GALLUP, N.M. — McKinley County is more distressed than 95% of U.S. counties, according to the County Distress Index released this month by American Default Research.
McKinley scores 95 out of 100, which means it is more distressed than 95% of U.S. counties; its score label is extreme county distress. Within New Mexico, McKinley ranks second of 33 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in McKinley. 49% of residents carry subprime credit (score below 660) — more than double the national median of 23%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is McKinley County's CDI score, and what does it mean?
What drives McKinley County's distress score?
How does McKinley County compare to its neighbors?
How is the County Distress Index calculated?
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