Rutland County, Vermont

County Distress Index: Normal · 43.3 | 60,271 people · 1st most distressed in Vermont
American Default Research

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Rutland County, VT falls within the normal range for household financial distress at 43.3 — 2001st 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 Vermont, it ranks 1st of 14 counties. Among its 4 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Rutland County's primary driver is Housing Cost Burden at 82.7 — worse than roughly 83% of U.S. counties.

Housing Cost Burden Primary driver 82.7
Rent-Burdened (30%+) 91
Severely Rent-Burdened (50%+) 84
Mortgage-Burdened (30%+) 85
Homeownership Rate 58
Economic Vitality 70.5
Wage-to-Rent Ratio 68
Rent-to-Income Ratio 84
Business Formation Rate 48
House Price Change (YoY) 87
Structural Poverty 52.2
Unemployment Rate 13
Poverty Rate 36
Income vs. State Median 83
Child Poverty Rate 21
Disability Rate 47
Transfer Income Dependency 78
Consumer Credit Distress 22.6
Debt in Collections 30
Medical Debt 7
Auto Loan Delinquency 18
Credit Card Delinquency 36
Uninsured Rate 8
Subprime Credit Population 25
Legal Distress 7.1
Bankruptcy Filing Rate 7

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Rutland County
Rutland County, VT 43.3 Normal —
Washington County, NY 51.3 Elevated +8.1
Bennington County, VT 43.0 Normal -0.2
Windsor County, VT 31.1 Healthy -12.2
Addison County, VT 26.7 Healthy -16.5

Population Peers

CountyScoreZonevs. Rutland County
Clearfield County, PA 43.4 Normal +0.1
Wayne County, PA 43.4 Normal +0.1
Sangamon County, IL 43.1 Normal -0.2
Steuben County, NY 43.4 Normal +0.2
Loudon County, TN 43.1 Normal -0.2

Download Data

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

Find Help in Rutland County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Rutland County.

BENNINGTON-RUTLAND OPPORTUNITY COUNCIL, INC. (BROC)
Rutland
802-665-1704 Website
Foreclosure PreventionFinancial CounselingHomeless/DisplacementPost-Purchase
NEIGHBORWORKS OF WESTERN VERMONT
Rutland
802-438-2303 Website
Foreclosure PreventionFinancial CounselingHome Improvement/RehabPre-Purchase

See all counselors in Vermont →

Find an Attorney

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

Vermont Bar Association Lawyer Referral Service 802-223-2020

Free Legal Aid

Legal aid organizations serving Rutland County residents at no cost.

Vermont Legal Aid 1-800-889-2047
Legal Services Vermont (800) 889-2047

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 Vermont →

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Frequently Asked Questions

  • What is the distress score for Rutland County, Vermont?

    Rutland County has a County Distress Index score of 43.3 out of 100, placing it in the Normal zone. It ranks 2,001st nationally out of 3,144 counties and 1st in Vermont out of 14 counties.

  • What drives financial distress in Rutland County?

    The primary driver of distress in Rutland County is Housing Cost Burden, where the county scores 82.7 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Rutland County compare to neighboring counties?

    Rutland County (43.3) can be compared to its 4 neighboring counties: Washington County, NY (51.3); Bennington County, VT (43.0); Windsor County, VT (31.1).

  • 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 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). Rutland County's score of 43.3 sits in the Normal zone (46–55).

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

    Rutland 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 Rutland County?

    Rutland County, Vermont has a population of approximately 60,271 (2023 Census estimate), classified as a mid county.