Cache County, Utah

County Distress Index: Normal · 35.1 | 142,393 people · 14th most distressed in Utah
American Default Research

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Cache County, UT falls within the normal range for household financial distress at 35.1 — 2470th 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 Utah, it ranks 14th of 29 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Cache County's primary driver is Housing Cost Burden at 71.7 — above the national median.

Housing Cost Burden Primary driver 71.7
Rent-Burdened (30%+) 73
Severely Rent-Burdened (50%+) 63
Mortgage-Burdened (30%+) 76
Homeownership Rate 87
Legal Distress 69.7
Bankruptcy Filing Rate 70
Economic Vitality 48.2
Wage-to-Rent Ratio 74
Rent-to-Income Ratio 19
Business Formation Rate 15
House Price Change (YoY) 72
Consumer Credit Distress 15.8
Debt in Collections 6
Medical Debt 30
Auto Loan Delinquency 12
Credit Card Delinquency 19
Uninsured Rate 38
Subprime Credit Population 9
Structural Poverty 15.2
Unemployment Rate 23
Poverty Rate 26
Income vs. State Median 27
Child Poverty Rate 6
Disability Rate 1
Transfer Income Dependency 7

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Cache County
Cache County, UT 35.1 Normal —
Weber County, UT 44.9 Normal +9.8
Box Elder County, UT 31.7 Healthy -3.4
Bear Lake County, ID 30.3 Healthy -4.8
Franklin County, ID 26.9 Healthy -8.2
Oneida County, ID 24.5 Healthy -10.6
Rich County, UT 21.4 Healthy -13.7

Population Peers

CountyScoreZonevs. Cache County
Grant County, WI 35.2 Normal +0.1
Crow Wing County, MN 34.9 Healthy -0.2
Wayne County, OH 34.9 Healthy -0.2
Story County, IA 34.9 Healthy -0.2
Newport County, RI 35.5 Normal +0.4

Download Data

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

Find Help in Cache County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Cache County.

NEIGHBORHOOD NONPROFIT HOUSING CORPORATION
Logan
435-753-1112 Website
Financial CounselingPre-PurchaseReverse Mortgage
UTAH STATE UNIVERSITY - FAMILY LIFE CENTER - HFC
Logan
435-797-7224 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in Utah →

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 Cache 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.

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

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Frequently Asked Questions

  • What is the distress score for Cache County, Utah?

    Cache County has a County Distress Index score of 35.1 out of 100, placing it in the Normal zone. It ranks 2,470th nationally out of 3,144 counties and 14th in Utah out of 29 counties.

  • What drives financial distress in Cache County?

    The primary driver of distress in Cache County is Housing Cost Burden, where the county scores 71.7 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Cache County compare to neighboring counties?

    Cache County (35.1) can be compared to its 6 neighboring counties: Weber County, UT (44.9); Box Elder County, UT (31.7); Bear Lake County, ID (30.3).

  • 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). Cache County's score of 35.1 sits in the Normal zone (46–55).

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

    Cache 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 Cache County?

    Cache County, Utah has a population of approximately 142,393 (2023 Census estimate), classified as a mid county.