Clallam County, Washington

County Distress Index: Normal · 40.5 | 77,616 people · 21st most distressed in Washington
American Default Research

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Clallam County, WA falls within the normal range for household financial distress at 40.5 — 2163rd 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 Washington, it ranks 21st of 39 counties. It scores higher than all 2 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Clallam County's primary driver is Housing Cost Burden at 72.2 — above the national median.

Housing Cost Burden Primary driver 72.2
Rent-Burdened (30%+) 84
Severely Rent-Burdened (50%+) 62
Mortgage-Burdened (30%+) 89
Homeownership Rate 58
Structural Poverty 65.4
Unemployment Rate 92
Poverty Rate 37
Income vs. State Median 65
Child Poverty Rate 42
Disability Rate 85
Transfer Income Dependency 72
Economic Vitality 60.8
Wage-to-Rent Ratio 67
Rent-to-Income Ratio 64
Business Formation Rate 39
House Price Change (YoY) 63
Legal Distress 37.6
Bankruptcy Filing Rate 38
Consumer Credit Distress 15.0
Debt in Collections 10
Medical Debt 7
Auto Loan Delinquency 32
Credit Card Delinquency 9
Uninsured Rate 35
Subprime Credit Population 9

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Clallam County
Clallam County, WA 40.5 Normal —
San Juan County, WA 29.0 Healthy -11.5
Jefferson County, WA 27.2 Healthy -13.3

Population Peers

CountyScoreZonevs. Clallam County
Missoula County, MT 40.5 Normal +0.0
Tompkins County, NY 40.4 Normal -0.1
Deschutes County, OR 40.3 Normal -0.3
St. Mary's County, MD 40.8 Normal +0.3
Blue Earth County, MN 40.2 Normal -0.3

Download Data

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

Find Help in Clallam County

Find an Attorney

Washington State Bar Association — Find Legal Help offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Washington State Bar Association — Find Legal Help 1-800-945-9722

Free Legal Aid

Legal aid organizations serving Clallam County residents at no cost.

Northwest Justice Project (NJP) 1-888-201-1014
Columbia Legal Services 1-206-464-1122

Self-Help Resources

Washington Law Help — Foreclosure Free legal information and self-help resources for low-income Washington residents, including foreclosure guides, tenant rights in foreclosure, and links to legal aid.
Washington Courts Self-Help Resources Washington Courts website with forms, instructions, and resources for self-represented litigants including those involved in foreclosure-related proceedings.
DFI Foreclosure Assistance and Information Department of Financial Institutions page with foreclosure prevention resources, consumer alerts about foreclosure rescue scams, and links to assistance programs.

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Need legal help? Find a foreclosure defense attorney in Washington →

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Frequently Asked Questions

  • What is the distress score for Clallam County, Washington?

    Clallam County has a County Distress Index score of 40.5 out of 100, placing it in the Normal zone. It ranks 2,163rd nationally out of 3,144 counties and 21st in Washington out of 39 counties.

  • What drives financial distress in Clallam County?

    The primary driver of distress in Clallam County is Housing Cost Burden, where the county scores 72.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Clallam County compare to neighboring counties?

    Clallam County (40.5) can be compared to its 2 neighboring counties: San Juan County, WA (29.0); Jefferson County, WA (27.2).

  • 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). Clallam County's score of 40.5 sits in the Normal zone (46–55).

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

    Clallam 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 Clallam County?

    Clallam County, Washington has a population of approximately 77,616 (2023 Census estimate), classified as a mid county.