Windsor County, Vermont

County Distress Index: Healthy · 31.1 | 58,101 people · 11th most distressed in Vermont
American Default Research

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Windsor County, VT ranks among the least distressed counties in the country at 31.1 — 2695th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Vermont, it ranks 11th of 14 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Windsor County's primary driver is Housing Cost Burden at 59.0 — above the national median.

Housing Cost Burden Primary driver 59.0
Rent-Burdened (30%+) 59
Severely Rent-Burdened (50%+) 54
Mortgage-Burdened (30%+) 92
Homeownership Rate 47
Economic Vitality 56.9
Wage-to-Rent Ratio 58
Rent-to-Income Ratio 49
Business Formation Rate 47
House Price Change (YoY) 93
Structural Poverty 25.1
Unemployment Rate 3
Poverty Rate 20
Income vs. State Median 35
Child Poverty Rate 11
Disability Rate 47
Transfer Income Dependency 26
Consumer Credit Distress 17.9
Debt in Collections 22
Medical Debt 7
Auto Loan Delinquency 26
Credit Card Delinquency 11
Uninsured Rate 10
Subprime Credit Population 22
Legal Distress 10.3
Bankruptcy Filing Rate 10

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Windsor County
Windsor County, VT 31.1 Healthy —
Sullivan County, NH 49.0 Normal +18.0
Rutland County, VT 43.3 Normal +12.2
Bennington County, VT 43.0 Normal +12.0
Windham County, VT 37.0 Normal +5.9
Grafton County, NH 34.0 Healthy +2.9
Orange County, VT 33.2 Healthy +2.1
Addison County, VT 26.7 Healthy -4.3

Population Peers

CountyScoreZonevs. Windsor County
Dodge County, WI 31.0 Healthy -0.0
Saratoga County, NY 30.9 Healthy -0.2
Medina County, OH 30.7 Healthy -0.4
Eau Claire County, WI 30.7 Healthy -0.4
Washington County, RI 31.6 Healthy +0.5

Download Data

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

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Frequently Asked Questions

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

    Windsor County has a County Distress Index score of 31.1 out of 100, placing it in the Healthy zone. It ranks 2,695th nationally out of 3,144 counties and 11th in Vermont out of 14 counties.

  • What drives financial distress in Windsor County?

    The primary driver of distress in Windsor County is Housing Cost Burden, where the county scores 59.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Windsor County compare to neighboring counties?

    Windsor County (31.1) can be compared to its 7 neighboring counties: Sullivan County, NH (49.0); Rutland County, VT (43.3); 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 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). Windsor County's score of 31.1 sits in the Healthy zone (below 46).

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

    Windsor 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 Windsor County?

    Windsor County, Vermont has a population of approximately 58,101 (2023 Census estimate), classified as a mid county.