Tillamook County, Oregon

County Distress Index: Normal · 42.5 | 27,417 people · 25th most distressed in Oregon
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Tillamook County, OR falls within the normal range for household financial distress at 42.5 — 2041st nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within Oregon, it ranks 25th of 36 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Tillamook County's primary driver is Economic Vitality at 72.2 — above the national median.

Economic Vitality Primary driver 72.3
Wage-to-Rent Ratio 86
Rent-to-Income Ratio 78
Business Formation Rate 22
House Price Change (YoY) 84
Structural Poverty 58.3
Unemployment Rate 87
Poverty Rate 33
Income vs. State Median 49
Child Poverty Rate 41
Disability Rate 83
Transfer Income Dependency 62
Housing Cost Burden 53.9
Rent-Burdened (30%+) 59
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 79
Homeownership Rate 56
Legal Distress 53.8
Bankruptcy Filing Rate 54
Consumer Credit Distress 25.1
Debt in Collections 23
Medical Debt 20
Auto Loan Delinquency 13
Credit Card Delinquency 58
Uninsured Rate 14
Subprime Credit Population 18

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Tillamook County
Tillamook County, OR 42.5 Normal —
Lincoln County, OR 56.5 Elevated +14.1
Yamhill County, OR 50.8 Elevated +8.3
Clatsop County, OR 48.8 Normal +6.3
Columbia County, OR 48.7 Normal +6.2
Polk County, OR 48.7 Normal +6.2
Washington County, OR 39.6 Normal -2.9

Population Peers

CountyScoreZonevs. Tillamook County
Sanilac County, MI 42.5 Normal 0.0
Carroll County, OH 42.5 Normal -0.0
Avery County, NC 42.5 Normal +0.1
Rusk County, WI 42.5 Normal +0.1
King George County, VA 42.4 Normal -0.1

Download Data

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

Find Help in Tillamook County

Find an Attorney

Oregon State Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Oregon State Bar — Lawyer Referral Service 503-684-3763 (Portland); 1-800-452-7636 (statewide)

Free Legal Aid

Legal aid organizations serving Tillamook County residents at no cost.

Legal Aid Services of Oregon 503-684-1032 (Portland); 1-800-684-1032 (statewide hotline)
Oregon Law Center 541-672-3429 (Roseburg); 541-485-1017 (Eugene)
Willamette Law Online — Oregon Foreclosure Avoidance Project 503-370-6051

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

Need legal help? Find a foreclosure defense attorney in Oregon →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Tillamook County, Oregon?

    Tillamook County has a County Distress Index score of 42.5 out of 100, placing it in the Normal zone. It ranks 2,041st nationally out of 3,144 counties and 25th in Oregon out of 36 counties.

  • What drives financial distress in Tillamook County?

    The primary driver of distress in Tillamook County is Economic Vitality, where the county scores 72.2 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Tillamook County compare to neighboring counties?

    Tillamook County (42.5) can be compared to its 6 neighboring counties: Lincoln County, OR (56.5); Yamhill County, OR (50.8); Clatsop County, OR (48.8).

  • 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 Normal 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). Tillamook County's score of 42.5 sits in the Normal zone (46–55).

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

    Tillamook 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 Tillamook County?

    Tillamook County, Oregon has a population of approximately 27,417 (2023 Census estimate), classified as a small county.