Box Elder County, Utah

County Distress Index: Healthy · 31.7 | 62,684 people · 18th most distressed in Utah
American Default Research

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Box Elder County, UT ranks among the least distressed counties in the country at 31.7 — 2661st nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Utah, it ranks 18th of 29 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Box Elder County's primary driver is Legal Distress at 75.7 — worse than roughly 76% of U.S. counties.

Legal Distress Primary driver 75.7
Bankruptcy Filing Rate 76
Housing Cost Burden 51.9
Rent-Burdened (30%+) 50
Severely Rent-Burdened (50%+) 53
Mortgage-Burdened (30%+) 66
Homeownership Rate 43
Economic Vitality 26.0
Wage-to-Rent Ratio 28
Rent-to-Income Ratio 6
Business Formation Rate 28
House Price Change (YoY) 77
Consumer Credit Distress 20.6
Debt in Collections 11
Medical Debt 27
Auto Loan Delinquency 8
Credit Card Delinquency 28
Uninsured Rate 48
Subprime Credit Population 20
Structural Poverty 17.7
Unemployment Rate 38
Poverty Rate 10
Income vs. State Median 26
Child Poverty Rate 8
Disability Rate 13
Transfer Income Dependency 13

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Box Elder County
Box Elder County, UT 31.7 Healthy —
Elko County, NV 47.7 Normal +16.0
Weber County, UT 44.9 Normal +13.2
Cassia County, ID 43.1 Normal +11.4
Tooele County, UT 38.5 Normal +6.8
Cache County, UT 35.1 Normal +3.4
Davis County, UT 32.2 Healthy +0.5
Oneida County, ID 24.5 Healthy -7.2

Population Peers

CountyScoreZonevs. Box Elder County
Chatham County, NC 31.6 Healthy -0.1
Washington County, RI 31.6 Healthy -0.1
Allegan County, MI 32.0 Healthy +0.3
Sarpy County, NE 32.1 Healthy +0.3
Chittenden County, VT 32.2 Healthy +0.5

Download Data

Export all distress indicators for Box Elder County as a CSV file.

Find Help in Box Elder County

Find an Attorney

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

Utah State Bar Lawyer Referral Service 801-531-9077

Free Legal Aid

Legal aid organizations serving Box Elder County residents at no cost.

Utah Legal Services 1-800-662-4245
Legal Aid Society of Salt Lake 801-328-8849

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 Box Elder County, Utah?

    Box Elder County has a County Distress Index score of 31.7 out of 100, placing it in the Healthy zone. It ranks 2,661st nationally out of 3,144 counties and 18th in Utah out of 29 counties.

  • What drives financial distress in Box Elder County?

    The primary driver of distress in Box Elder County is Legal Distress, where the county scores 75.7 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Box Elder County compare to neighboring counties?

    Box Elder County (31.7) can be compared to its 7 neighboring counties: Elko County, NV (47.7); Weber County, UT (44.9); Cassia County, ID (43.1).

  • 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 Healthy 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). Box Elder County's score of 31.7 sits in the Healthy zone (below 46).

  • What data sources power Box Elder County's CDI score?

    Box Elder 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 Box Elder County?

    Box Elder County, Utah has a population of approximately 62,684 (2023 Census estimate), classified as a mid county.