Roosevelt County, New Mexico

County Distress Index: Elevated · 63.2 | 18,787 people · 11th most distressed in New Mexico
American Default Research

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Roosevelt County, NM registers elevated household financial distress with a score of 63.2 — 766th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within New Mexico, it ranks 11th of 33 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Roosevelt County's primary driver is Consumer Credit Distress at 76.4 — worse than roughly 76% of U.S. counties.

Consumer Credit Distress Primary driver 76.4
Debt in Collections 83
Medical Debt 95
Auto Loan Delinquency 51
Credit Card Delinquency 85
Uninsured Rate 67
Subprime Credit Population 75
Structural Poverty 64.1
Unemployment Rate 41
Poverty Rate 83
Income vs. State Median 50
Child Poverty Rate 83
Disability Rate 79
Transfer Income Dependency 57
Economic Vitality 55.5
Wage-to-Rent Ratio 57
Rent-to-Income Ratio 66
Business Formation Rate 48
House Price Change (YoY) 26
Housing Cost Burden 52.2
Rent-Burdened (30%+) 60
Severely Rent-Burdened (50%+) 27
Mortgage-Burdened (30%+) 57
Homeownership Rate 90
Legal Distress 18.9
Bankruptcy Filing Rate 19

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Roosevelt County
Roosevelt County, NM 63.2 Elevated —
Curry County, NM 68.9 Serious +5.7
Chaves County, NM 67.9 Serious +4.7
Lea County, NM 63.6 Elevated +0.5
Cochran County, TX 61.1 Elevated -2.0
Quay County, NM 53.6 Elevated -9.6
De Baca County, NM 51.7 Elevated -11.4
Bailey County, TX 48.3 Normal -14.8

Population Peers

CountyScoreZonevs. Roosevelt County
Clay County, AR 63.2 Elevated -0.0
Hughes County, OK 63.2 Elevated +0.0
Gray County, TX 63.2 Elevated +0.0
Clarke County, AL 63.3 Elevated +0.1
Knott County, KY 63.3 Elevated +0.1

Download Data

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

Find Help in Roosevelt County

Find an Attorney

State Bar of New Mexico Lawyer Referral Program offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of New Mexico Lawyer Referral Program 505-797-6000

Free Legal Aid

Legal aid organizations serving Roosevelt County residents at no cost.

New Mexico Legal Aid 1-866-416-1922
Law Access New Mexico 1-800-340-9771
DNA-Peoples Legal Services, Inc. (928) 871-4151

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Roosevelt County, New Mexico?

    Roosevelt County has a County Distress Index score of 63.2 out of 100, placing it in the Elevated zone. It ranks 766th nationally out of 3,144 counties and 11th in New Mexico out of 33 counties.

  • What drives financial distress in Roosevelt County?

    The primary driver of distress in Roosevelt County is Consumer Credit Distress, where the county scores 76.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Roosevelt County compare to neighboring counties?

    Roosevelt County (63.2) can be compared to its 7 neighboring counties: Curry County, NM (68.9); Chaves County, NM (67.9); Lea County, NM (63.6).

  • 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). Roosevelt County's score of 63.2 sits in the Elevated zone (55–71).

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

    Roosevelt 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 Roosevelt County?

    Roosevelt County, New Mexico has a population of approximately 18,787 (2023 Census estimate), classified as a small county.