Rio Arriba County, New Mexico
Above the national median for adults 25-54 not working — and 14.1× the rate of the healthiest U.S. county (Thomas County, NE — 2%).
Main Findings
Rio Arriba County, New Mexico is more distressed than 55% of U.S. counties on the County Distress Index. The driver: 28% of adults aged 25 to 54 are not working — above the national median of 21%. Its highest-scoring domain is Labor and its lowest is Debt Burden (housing basis).
- 29th of 33 counties in New Mexico on the County Distress Index — 55 · moderate county distress, more distressed than 55% of U.S. counties.
- 28% of adults aged 25 to 54 are not working (U.S. median 21%). Adults 25-54 not working at the 85th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2024).
- Poverty rate at 17% — national median 13%, ranked at the 76th percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Auto loan delinquency at 8% — national median 5%, ranked at the 81st percentile. Source: Urban Institute Debt in America (2025).
- Debt in collections at 29% — national median 23%, ranked at the 70th percentile. Source: Urban Institute Debt in America (2025).
Neighbors span 7 CDI score labels. The 81-point drop to Los Alamos County marks where the New Mexico distress corridor ends.
Rio Arriba County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Labor.
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 Rio Arriba County's CDI Score
Every number traces to a public source. Rio Arriba County's value shown alongside NM's median and the U.S. median. Full CSV available for download.
| Indicator | Rio Arriba | NM median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 59 · Rank 1,236 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 5% | 5% | 81st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 6% | 5% | 44th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 24% | 26% | 23% | 52nd | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 37 · Rank 2,121 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 29% | 28% | 23% | 70th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 35 | 65 | 126 | 4th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 28 · Rank 2,527 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 24% | 21% | 37th | 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 | 12% | 19% | 18% | 18th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 78 · Rank 505 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) | 28% | 27% | 21% | 85th | 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) | 5% | 5% | 4% | 71st | 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 64 · Rank 1,027 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 22% | 25% | 17% | 73rd | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 16% | 20% | 16% | 48th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 17% | 18% | 13% | 76th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 9% | 9% | 8% | 57th | 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 Rio Arriba County data.
Draft wire copy 133-word AP-style article — use freely with attribution
TIERRA AMARILLA, N.M. — Rio Arriba County is more distressed than 55% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Rio Arriba scores 55 out of 100, which means it is more distressed than 55% of U.S. counties; its score label is moderate county distress. Within New Mexico, Rio Arriba ranks 29th 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 labor as the primary driver in Rio Arriba. 28% of adults aged 25 to 54 are not working — above the national median of 21%.
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
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