Cuming County, Nebraska

County Distress Index: Healthy · 19.4 | 8,918 people · 89th most distressed in Nebraska
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Cuming County, NE ranks among the least distressed counties in the country at 19.4 — 3085th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Nebraska, it ranks 89th of 93 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Cuming County's primary driver is Legal Distress at 48.4 — above the national median.

Legal Distress Primary driver 48.4
Bankruptcy Filing Rate 48
Economic Vitality 25.5
Wage-to-Rent Ratio 23
Rent-to-Income Ratio 16
Business Formation Rate 56
House Price Change (YoY) 6
Housing Cost Burden 20.2
Rent-Burdened (30%+) 12
Severely Rent-Burdened (50%+) 7
Mortgage-Burdened (30%+) 28
Homeownership Rate 65
Structural Poverty 17.5
Unemployment Rate 6
Poverty Rate 10
Income vs. State Median 47
Child Poverty Rate 11
Disability Rate 5
Transfer Income Dependency 13
Consumer Credit Distress 13.9
Debt in Collections 5
Medical Debt 27
Auto Loan Delinquency 14
Credit Card Delinquency 5
Uninsured Rate 55
Subprime Credit Population 6

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Cuming County
Cuming County, NE 19.4 Healthy —
Thurston County, NE 54.5 Elevated +35.1
Dodge County, NE 37.6 Normal +18.2
Stanton County, NE 36.9 Normal +17.5
Wayne County, NE 31.6 Healthy +12.2
Colfax County, NE 28.5 Healthy +9.1
Burt County, NE 28.3 Healthy +8.9

Population Peers

CountyScoreZonevs. Cuming County
Bon Homme County, SD 19.4 Healthy +0.0
Sargent County, ND 19.3 Healthy -0.1
Polk County, NE 19.5 Healthy +0.1
Denali Borough, AK 19.3 Healthy -0.1
Nelson County, ND 19.2 Healthy -0.2

Download Data

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

Find Help in Cuming County

Find an Attorney

Nebraska State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Nebraska State Bar Association Lawyer Referral Service 402-475-7091

Free Legal Aid

Legal aid organizations serving Cuming County residents at no cost.

Legal Aid of Nebraska 1-877-250-2016

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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

Continue Reading

Frequently Asked Questions

  • What is the distress score for Cuming County, Nebraska?

    Cuming County has a County Distress Index score of 19.4 out of 100, placing it in the Healthy zone. It ranks 3,085th nationally out of 3,144 counties and 89th in Nebraska out of 93 counties.

  • What drives financial distress in Cuming County?

    The primary driver of distress in Cuming County is Legal Distress, where the county scores 48.4 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Cuming County compare to neighboring counties?

    Cuming County (19.4) can be compared to its 6 neighboring counties: Thurston County, NE (54.5); Dodge County, NE (37.6); Stanton County, NE (36.9).

  • 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). Cuming County's score of 19.4 sits in the Healthy zone (below 46).

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

    Cuming 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 Cuming County?

    Cuming County, Nebraska has a population of approximately 8,918 (2023 Census estimate), classified as a tiny county.