Yamhill County, Oregon

County Distress Index: Elevated · 50.8 | 108,644 people · 15th most distressed in Oregon
American Default Research

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Yamhill County, OR registers elevated household financial distress with a score of 50.8 — 1537th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Oregon, it ranks 15th of 36 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Yamhill County's primary driver is Housing Cost Burden at 89.5 — worse than roughly 90% of U.S. counties.

Housing Cost Burden Primary driver 89.5
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 90
Mortgage-Burdened (30%+) 97
Homeownership Rate 71
Economic Vitality 77.3
Wage-to-Rent Ratio 97
Rent-to-Income Ratio 87
Business Formation Rate 19
House Price Change (YoY) 58
Legal Distress 71.7
Bankruptcy Filing Rate 72
Structural Poverty 32.5
Unemployment Rate 80
Poverty Rate 25
Income vs. State Median 13
Child Poverty Rate 11
Disability Rate 52
Transfer Income Dependency 30
Consumer Credit Distress 29.4
Debt in Collections 22
Medical Debt 34
Auto Loan Delinquency 35
Credit Card Delinquency 29
Uninsured Rate 30
Subprime Credit Population 30

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Yamhill County
Yamhill County, OR 50.8 Elevated —
Marion County, OR 58.3 Elevated +7.5
Polk County, OR 48.7 Normal -2.1
Tillamook County, OR 42.5 Normal -8.3
Clackamas County, OR 40.4 Normal -10.4
Washington County, OR 39.6 Normal -11.2

Population Peers

CountyScoreZonevs. Yamhill County
Macon County, IL 50.8 Elevated +0.0
Grays Harbor County, WA 50.8 Elevated +0.1
Berrien County, MI 50.9 Elevated +0.1
Somerset County, ME 50.6 Elevated -0.2
Northeastern Connecticut Planning Region, CT 50.5 Elevated -0.2

Download Data

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

Find Help in Yamhill County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Yamhill County.

HOUSING AUTHORITY OF YAMHILL COUNTY
McMinnville
503-883-4300 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in Oregon →

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 Yamhill 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 →

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Frequently Asked Questions

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

    Yamhill County has a County Distress Index score of 50.8 out of 100, placing it in the Elevated zone. It ranks 1,537th nationally out of 3,144 counties and 15th in Oregon out of 36 counties.

  • What drives financial distress in Yamhill County?

    The primary driver of distress in Yamhill County is Housing Cost Burden, where the county scores 89.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Yamhill County compare to neighboring counties?

    Yamhill County (50.8) can be compared to its 5 neighboring counties: Marion County, OR (58.3); Polk County, OR (48.7); Tillamook County, OR (42.5).

  • 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). Yamhill County's score of 50.8 sits in the Elevated zone (55–71).

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

    Yamhill 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 Yamhill County?

    Yamhill County, Oregon has a population of approximately 108,644 (2023 Census estimate), classified as a mid county.