San Miguel County, New Mexico
Above the national median for severe rent burden (50%+).
Main Findings
San Miguel County, New Mexico is more distressed than 76% of U.S. counties on the County Distress Index. The driver: 29% of renter households pay 50%+ of income on rent — above the national median of 18%. Its highest-scoring domain is Debt Burden (housing basis) and its lowest is Default & Legal.
- 12th of 33 counties in New Mexico on the County Distress Index — 76 · high county distress, more distressed than 76% of U.S. counties.
- 29% of renter households pay 50%+ of income on rent (U.S. median 18%). Severe rent burden (50%+) at the 96th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2024).
- Child poverty rate at 36% — national median 17%, ranked at the 97th percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Adults 25-54 not working at 28% — national median 21%, ranked at the 86th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Subprime credit share at 26% — national median 23%, ranked at the 62nd percentile. Source: Equifax data retrieved via FRED (2025).
Neighbors span three CDI score labels. The 34-point drop to Santa Fe County marks where the New Mexico distress corridor ends.
San Miguel County has a high county distress score. The score label gives the intensity; the rank gives the national position.
The CDI gives this county a high county distress label. The rank belongs beside the score because the two answer different questions: score intensity and national position. Its highest-scoring domain is Debt Burden (housing basis).
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), San Miguel County's uninsured rate indicator is at the 43rd percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 92nd percentile. The gap stands out against child poverty rate and disability rate. Worth a call to the source agency or a local subject-matter contact in Las Vegas.
According to U.S. Census Bureau, SAIPE (2024), 36% of children under 18 in San Miguel 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 San Miguel County's CDI Score
Every number traces to a public source. San Miguel County's value shown alongside NM's median and the U.S. median. Full CSV available for download.
| Indicator | San Miguel | NM median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 41 · Rank 1,903 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 5% | 5% | 28th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 6% | 5% | 32nd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 26% | 26% | 23% | 62nd | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 31 · Rank 2,350 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 25% | 28% | 23% | 56th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 41 | 65 | 126 | 6th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 92 · Rank 115 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 24% | 21% | 88th | 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 | 29% | 19% | 18% | 96th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 80 · Rank 442 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% | 86th | 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% | 74th | 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 85 · Rank 215 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 36% | 25% | 17% | 97th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 24% | 20% | 16% | 93rd | 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 | 7% | 9% | 8% | 43rd | 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 San Miguel County data.
Draft wire copy 136-word AP-style article — use freely with attribution
LAS VEGAS, N.M. — San Miguel County is more distressed than 76% of U.S. counties, according to the County Distress Index released this month by American Default Research.
San Miguel scores 76 out of 100, which means it is more distressed than 76% of U.S. counties; its score label is high county distress. Within New Mexico, San Miguel ranks 12th 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 debt burden (housing basis) as the primary driver in San Miguel. 29% of renter households pay 50%+ of income on rent — above the national median of 18%.
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 San Miguel County's CDI score, and what does it mean?
What drives San Miguel County's distress score?
How does San Miguel County compare to its neighbors?
How is the County Distress Index calculated?
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