Windham County, Vermont

County Distress Index: Normal · 37.0 | 45,966 people · 5th most distressed in Vermont
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Windham County, VT falls within the normal range for household financial distress at 37.0 — 2364th nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within Vermont, it ranks 5th of 14 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Windham County's primary driver is Economic Vitality at 74.1 — above the national median.

Economic Vitality Primary driver 74.1
Wage-to-Rent Ratio 80
Rent-to-Income Ratio 87
Business Formation Rate 39
House Price Change (YoY) 73
Housing Cost Burden 72.7
Rent-Burdened (30%+) 77
Severely Rent-Burdened (50%+) 67
Mortgage-Burdened (30%+) 99
Homeownership Rate 58
Structural Poverty 40.0
Unemployment Rate 6
Poverty Rate 21
Income vs. State Median 79
Child Poverty Rate 15
Disability Rate 49
Transfer Income Dependency 44
Consumer Credit Distress 17.5
Debt in Collections 24
Medical Debt 7
Auto Loan Delinquency 26
Credit Card Delinquency 11
Uninsured Rate 6
Subprime Credit Population 20
Legal Distress 2.7
Bankruptcy Filing Rate 3

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Windham County
Windham County, VT 37.0 Normal —
Sullivan County, NH 49.0 Normal +12.0
Franklin County, MA 48.5 Normal +11.5
Bennington County, VT 43.0 Normal +6.0
Cheshire County, NH 42.8 Normal +5.9
Windsor County, VT 31.1 Healthy -5.9

Population Peers

CountyScoreZonevs. Windham County
Warren County, PA 36.9 Normal -0.0
Jersey County, IL 36.9 Normal -0.0
Camden County, MO 37.0 Normal +0.1
Harrison County, IA 37.1 Normal +0.1
Nelson County, VA 36.8 Normal -0.1

Download Data

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

Find Help in Windham County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Windham County.

WINDHAM AND WINDSOR HOUSING TRUST
Brattleboro
802-254-4604 Website
Financial CounselingFinancial CounselingPre-PurchaseHomebuyer Education

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 Windham County residents at no cost.

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

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Frequently Asked Questions

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

    Windham County has a County Distress Index score of 37.0 out of 100, placing it in the Normal zone. It ranks 2,364th nationally out of 3,144 counties and 5th in Vermont out of 14 counties.

  • What drives financial distress in Windham County?

    The primary driver of distress in Windham County is Economic Vitality, where the county scores 74.1 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Windham County compare to neighboring counties?

    Windham County (37.0) can be compared to its 5 neighboring counties: Sullivan County, NH (49.0); Franklin County, MA (48.5); Bennington County, VT (43.0).

  • 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). Windham County's score of 37.0 sits in the Normal zone (46–55).

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

    Windham 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 Windham County?

    Windham County, Vermont has a population of approximately 45,966 (2023 Census estimate), classified as a small county.