Debt in Collections · New Mexico
New Mexico — debt in collections by county
Across the 32 counties in New Mexico measured by the Urban Institute's Debt in America survey, 26.9% of adults have at least one account in collections. The county-level range is wide: McKinley, NM sits at 44.1% while Los Alamos, NM is just 4.5% — a 9.9× spread within a single state.
The median dollar amount in collections for New Mexico residents is $2,046 per affected adult, based on Urban Institute's 2024 release.
National comparison · New Mexico
How does New Mexico compare nationally?
New Mexico ranks #13 of 50 states. At 26.9%, the state is 41 percentage points above the national average of 19.0%.
Within the West, New Mexico has the highest debt-in-collections rate; the next-highest are Arizona (25.6%) and Nevada (24.7%).
State averages — debt subtypes
What kinds of debt drive the New Mexico total
The Urban Institute reports debt in collections in four categories. Across New Mexico's 32 counties, the average rates are:
- Any debt in collections: 26.9% of adults
- Medical debt in collections: 6.9% — debt sent to collections for medical bills
- Credit card delinquency: 4.9% — 90+ days past due on at least one card
- Auto/retail loan delinquency: 6.3% — 60+ days past due on auto or retail credit
These figures are county averages weighted equally — the underlying Urban Institute sample uses credit-bureau records, which exclude adults who do not have a credit file. Rates can be substantially higher for credit-active adults than for the full adult population.
Top 10 — Highest Debt Counties
Counties in New Mexico ranked by debt in collections
Bottom 5 — Lowest Debt Counties
New Mexico's least indebted counties
Frequently asked — debt in New Mexico
Common questions
What percentage of New Mexico adults have debt in collections? +
26.9% of adults in New Mexico have at least one account in collections, based on the Urban Institute's 2024 Debt in America survey. That figure is the average across the 32 New Mexico counties measured. The county-level rate varies widely from 4.5% in Los Alamos, NM to 44.1% in McKinley, NM.
Which New Mexico county has the highest debt-in-collections rate? +
McKinley, NM has the highest debt-in-collections rate in New Mexico at 44.1%. The next four highest counties are Lea, NM (40.1%), Cibola, NM (40.0%), Roosevelt, NM (37.7%), Luna, NM (32.5%). Rates are credit-bureau-derived and reflect the credit-active adult population only.
Which New Mexico county has the lowest debt-in-collections rate? +
Los Alamos, NM has the lowest rate in New Mexico at 4.5%. The lowest-debt counties in New Mexico are Los Alamos, NM (4.5%), Catron, NM (12.9%), Union, NM (16.0%), Santa Fe, NM (17.6%), Taos, NM (20.3%).
What is the median amount of debt in collections in New Mexico? +
The median dollar amount in collections per affected New Mexico adult is $2,046, averaged across the 32 measured counties. That figure represents the typical balance owed by individuals who have at least one account in collections — not the average across all adults.
How much of New Mexico's debt in collections is medical debt? +
6.9% of New Mexico adults have medical debt in collections, on average across measured counties. That figure follows the 2022 credit-bureau reporting change, which excludes medical debts under $500 from collection reports. Actual medical-debt exposure (including smaller balances and paid-down accounts) is materially higher.
Methodology & sources
How "debt in collections" is measured
The figures on this page are sourced from the Urban Institute Debt in America (2024) release. The Urban Institute calculates each county-level rate from a 2-percent random sample of credit-bureau records, then publishes the share of credit-active adults with at least one account that has been sent to a third-party collection agency or in-house collections unit.
"In collections" means a debt is 90+ days past due and has either been written off by the original creditor or assigned to a collection agency. The Urban Institute reports four breakdowns — overall, medical, credit-card delinquency, and auto/retail delinquency. Medical debt in collections is reported only when it exceeds $500 per the 2022 credit-bureau reporting change.
Coverage caveat: the survey excludes adults without a credit file, which means the published rates are for the credit-active population only. Rates for the full adult population (including those without credit) are typically lower in absolute terms but follow the same county-to-county ordering. Counties with fewer than 50 sampled adults are not published.
Data is free under the Urban Institute's open-data policy. Figures here are licensed under CC BY 4.0 with attribution to USInsights.
Related data
Debt in collections — compare with other states
Click any state for county-level data and rankings.