Roosevelt County, Montana
4× the national median for uninsured rate.
Main Findings
Roosevelt County, Montana ranks 815th most distressed in the United States on the County Distress Index. The driver: 30% of residents lack health insurance — more than double the national median of 8%.
- 815th of 3,144 counties on the County Distress Index — Second-most distressed fifth, 3rd in Montana.
- 30% of residents lack health insurance (U.S. median 8%). Uninsured rate at the 95th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 71st percentile.
- Rent-to-income ratio at 28% — national median 21%, ranked at the 91st percentile.
- Auto loan delinquency at 10% — national median 5%, ranked at the 91st percentile.
Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 91st percentile. Jobs exist; wages don't close the gap.
"Roosevelt County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Roosevelt County's disability rate indicator is at the 30th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 51st percentile. The gap stands out against EITC % of returns and poverty rate. Worth a call to Urban Institute or a local credit counselor in Wolf Point.
The Indicators Behind Roosevelt County's CDI Score
Every number traces to a public source. Roosevelt County's value shown alongside MT's median and the U.S. median. Full CSV available for download.
| Indicator | Roosevelt | MT median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 62 · Rank 1,141 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 3% | 5% | 91st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 3% | 5% | 22nd | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 16% | 23% | 74th | Urban Institute (2024) |
| Default & Legal — domain score 39 · Rank 2,028 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 30% | 15% | 23% | 73rd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 39 | 73 | 126 | 5th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 69 · Rank 755 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 26% | 21% | 91st | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 17% | 14% | 18% | 47th | Census ACS 5-yr (2023) |
| Labor — domain score 71 · Rank 908 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 3% | 4% | 71st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 76 · Rank 549 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 17% | 18% | 83rd | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 14% | 16% | 16% | 30th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 24% | 13% | 14% | 95th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 36% | 25% | 27% | 87th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 30% | 8% | 8% | 95th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Roosevelt County data — in under 60 seconds.
Draft wire copy 155-word AP-style article — use freely with attribution
WOLF POINT, Mont. — Roosevelt County ranks 815th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 64 out of 100 places Roosevelt in the second-most distressed fifth. Among 3,144 U.S. counties scored, 814 counties rank more distressed. Within Montana, Roosevelt ranks third of 56 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies safety net & buffer as the primary driver in Roosevelt. 30% of residents lack health insurance — more than double the national median of 8%.
"Roosevelt County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Roosevelt County's CDI score, and what does it mean?
What drives Roosevelt County's distress score?
How does Roosevelt County compare to its neighbors?
How is the County Distress Index calculated?
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