Wheatland County, Montana
Above the national median for adults 25-54 not working — and 14.4× the rate of the healthiest U.S. county (Thomas County, NE — 2%).
Main Findings
Wheatland County, Montana is more distressed than 49% of U.S. counties on the County Distress Index. The driver: 29% of adults aged 25 to 54 are not working — above the national median of 21%. Its highest-scoring domain is Labor and its lowest is Delinquency.
- 10th of 56 counties in Montana on the County Distress Index — 49 · moderate-low county distress, more distressed than 49% of U.S. counties.
- 29% of adults aged 25 to 54 are not working (U.S. median 21%). Adults 25-54 not working at the 87th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2024).
- Uninsured rate at 18% — national median 8%, ranked at the 94th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Rent-to-income ratio at 28% — national median 21%, ranked at the 93rd percentile. Source: U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024).
- Bankruptcy filing rate at 146 — national median 126, ranked at the 59th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
Neighbors span three CDI score labels. The 28-point drop to Sweet Grass County marks where the Montana distress corridor ends.
Wheatland County has a moderate-low county distress score. The state rank and domain mix give the county-level context.
The CDI gives this county a moderate-low county distress label. The state rank and highest-scoring local domain add context that the composite alone cannot carry. Its highest-scoring domain is Labor.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), Wheatland County's disability rate indicator is at the 10th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 77th percentile. The gap stands out against child poverty rate and median household income. Worth a call to the source agency or a local subject-matter contact in Harlowton.
According to U.S. Census Bureau, SAIPE (2024), 28% of children under 18 in Wheatland County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Wheatland County's CDI Score
Every number traces to a public source. Wheatland County's value shown alongside MT's median and the U.S. median. Full CSV available for download.
| Indicator | Wheatland | MT median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 13 · Rank 2,875 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 3% | 5% | 16th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 3% | 3% | 5% | 16th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 13% | 16% | 23% | 7th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 38 · Rank 2,085 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 15% | 15% | 23% | 17th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 146 | 73 | 126 | 59th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 49 · Rank 1,560 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 24% | 21% | 93rd | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 1% | 14% | 18% | 5th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 76 · Rank 544 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 29% | 17% | 21% | 87th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 4% | 3% | 4% | 66th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 73 · Rank 676 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 28% | 16% | 17% | 88th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 11% | 16% | 16% | 10th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 17% | 12% | 13% | 77th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 18% | 8% | 8% | 94th | U.S. Census Bureau, ACS 5-year (2024) |
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 scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Wheatland County data.
Draft wire copy 127-word AP-style article — use freely with attribution
HARLOWTON, Mont. — Wheatland County is more distressed than 49% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Wheatland scores 49 out of 100, which means it is more distressed than 49% of U.S. counties; its score label is moderate-low county distress. Within Montana, Wheatland ranks tenth of 56 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies labor as the primary driver in Wheatland. 29% of adults aged 25 to 54 are not working — above the national median of 21%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Wheatland County's CDI score, and what does it mean?
What drives Wheatland County's distress score?
How does Wheatland County compare to its neighbors?
How is the County Distress Index calculated?
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