Tooele County, Utah

County Distress Index: Normal · 38.5 | 82,051 people · 11th most distressed in Utah
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Tooele County, UT falls within the normal range for household financial distress at 38.5 — 2282nd 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 11th of 29 counties. Its score is in the middle of its 8 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Tooele County's primary driver is Legal Distress at 94.4 — worse than roughly 94% of U.S. counties.

Legal Distress Primary driver 94.4
Bankruptcy Filing Rate 94
Economic Vitality 42.9
Wage-to-Rent Ratio 69
Rent-to-Income Ratio 5
Business Formation Rate 14
House Price Change (YoY) 80
Consumer Credit Distress 40.5
Debt in Collections 40
Medical Debt 55
Auto Loan Delinquency 32
Credit Card Delinquency 31
Uninsured Rate 32
Subprime Credit Population 49
Housing Cost Burden 29.4
Rent-Burdened (30%+) 38
Severely Rent-Burdened (50%+) 11
Mortgage-Burdened (30%+) 95
Homeownership Rate 8
Structural Poverty 13.2
Unemployment Rate 49
Poverty Rate 3
Income vs. State Median 13
Child Poverty Rate 4
Disability Rate 11
Transfer Income Dependency 7

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Tooele County
Tooele County, UT 38.5 Normal —
Salt Lake County, UT 48.2 Normal +9.7
Elko County, NV 47.7 Normal +9.2
White Pine County, NV 46.7 Normal +8.2
Weber County, UT 44.9 Normal +6.4
Utah County, UT 36.5 Normal -2.0
Davis County, UT 32.2 Healthy -6.3
Box Elder County, UT 31.7 Healthy -6.8
Juab County, UT 29.1 Healthy -9.4

Population Peers

CountyScoreZonevs. Tooele County
Mason County, WA 38.4 Normal -0.1
Kenai Peninsula Borough, AK 38.6 Normal +0.1
Columbia County, NY 38.4 Normal -0.1
Bedford County, VA 38.6 Normal +0.1
Darke County, OH 38.3 Normal -0.2

Download Data

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

Find Help in Tooele 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 Tooele 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 Tooele County, Utah?

    Tooele County has a County Distress Index score of 38.5 out of 100, placing it in the Normal zone. It ranks 2,282nd nationally out of 3,144 counties and 11th in Utah out of 29 counties.

  • What drives financial distress in Tooele County?

    The primary driver of distress in Tooele County is Legal Distress, where the county scores 94.4 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Tooele County compare to neighboring counties?

    Tooele County (38.5) can be compared to its 8 neighboring counties: Salt Lake County, UT (48.2); Elko County, NV (47.7); White Pine County, NV (46.7).

  • 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). Tooele County's score of 38.5 sits in the Normal zone (46–55).

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

    Tooele 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 Tooele County?

    Tooele County, Utah has a population of approximately 82,051 (2023 Census estimate), classified as a mid county.