Davis County, Utah

County Distress Index: Healthy · 32.2 | 373,207 people · 17th most distressed in Utah
American Default Research

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Davis County, UT ranks among the least distressed counties in the country at 32.2 — 2640th 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 17th of 29 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Davis County's primary driver is Legal Distress at 83.1 — worse than roughly 83% of U.S. counties.

Legal Distress Primary driver 83.1
Bankruptcy Filing Rate 83
Housing Cost Burden 54.5
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 42
Mortgage-Burdened (30%+) 88
Homeownership Rate 33
Economic Vitality 53.2
Wage-to-Rent Ratio 87
Rent-to-Income Ratio 15
Business Formation Rate 13
House Price Change (YoY) 73
Consumer Credit Distress 17.1
Debt in Collections 12
Medical Debt 32
Auto Loan Delinquency 11
Credit Card Delinquency 16
Uninsured Rate 28
Subprime Credit Population 15
Structural Poverty 6.5
Unemployment Rate 30
Poverty Rate 1
Income vs. State Median 4
Child Poverty Rate 1
Disability Rate 4
Transfer Income Dependency 3

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Davis County
Davis County, UT 32.2 Healthy —
Salt Lake County, UT 48.2 Normal +16.0
Weber County, UT 44.9 Normal +12.7
Tooele County, UT 38.5 Normal +6.3
Box Elder County, UT 31.7 Healthy -0.5
Morgan County, UT 15.3 Healthy -17.0

Population Peers

CountyScoreZonevs. Davis County
Montgomery County, PA 32.5 Healthy +0.3
Cumberland County, ME 32.6 Healthy +0.4
Washington County, MN 31.7 Healthy -0.5
Ottawa County, MI 32.8 Healthy +0.6
DuPage County, IL 31.5 Healthy -0.7

Download Data

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

Find Help in Davis 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 Davis 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 Davis County, Utah?

    Davis County has a County Distress Index score of 32.2 out of 100, placing it in the Healthy zone. It ranks 2,640th nationally out of 3,144 counties and 17th in Utah out of 29 counties.

  • What drives financial distress in Davis County?

    The primary driver of distress in Davis County is Legal Distress, where the county scores 83.1 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Davis County compare to neighboring counties?

    Davis County (32.2) can be compared to its 5 neighboring counties: Salt Lake County, UT (48.2); Weber County, UT (44.9); Tooele County, UT (38.5).

  • 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 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). Davis County's score of 32.2 sits in the Healthy zone (below 46).

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

    Davis 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 Davis County?

    Davis County, Utah has a population of approximately 373,207 (2023 Census estimate), classified as a large county.