Thurston County, Nebraska
Above the national median for subprime credit share.
Main Findings
Thurston County, Nebraska ranks 1,561st most distressed in the United States on the County Distress Index. The driver: 37% of residents carry subprime credit (score below 660) — above the national median of 23%.
- 1,561st of 3,144 counties on the County Distress Index — Middle fifth, 1st in Nebraska.
- 37% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 91st percentile nationally.
- Uninsured rate at 15% — national median 8%, ranked at the 89th percentile.
- Debt in collections at 34% — national median 23%, ranked at the 85th percentile.
- Debt Burden (housing basis) domain score 34 — weight 20.0% of the CDI composite.
Unemployment is 3%, near the national median of 4%, while subprime credit share runs at the 91st percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI distress fifths. The 28-point drop to Cuming County marks where the Nebraska distress corridor ends.
"Thurston County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story."
"The CDI places this county in the middle fifth nationally. The county sits near the center of the geography distribution, so the domain mix matters more than the composite alone."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Thurston County's disability rate indicator is at the 12th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 33rd percentile. The gap stands out against EITC % of returns and uninsured rate. Worth a call to Urban Institute or a local credit counselor in Pender.
The Indicators Behind Thurston County's CDI Score
Every number traces to a public source. Thurston County's value shown alongside NE's median and the U.S. median. Full CSV available for download.
| Indicator | Thurston | NE median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 73 · Rank 729 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 9% | 3% | 5% | 88th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 4% | 5% | 41st | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 37% | 17% | 23% | 91st | Urban Institute (2024) |
| Default & Legal — domain score 58 · Rank 1,185 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 34% | 14% | 23% | 85th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 92 | 116 | 126 | 32nd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 34 · Rank 2,262 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 19% | 21% | 39th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 12% | 18% | 28th | Census ACS 5-yr (2023) |
| Labor — domain score 21 · Rank 2,507 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 2% | 4% | 21st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 67 · Rank 903 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 13% | 18% | 81st | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 11% | 14% | 16% | 12th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 20% | 11% | 14% | 84th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 23% | 22% | 27% | 33rd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 15% | 7% | 8% | 89th | 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 Thurston County data — in under 60 seconds.
Draft wire copy 151-word AP-style article — use freely with attribution
PENDER, Neb. — Thurston County ranks 1,561st 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 51 out of 100 places Thurston in the middle fifth. Among 3,144 U.S. counties scored, 1,560 counties rank more distressed. Within Nebraska, Thurston ranks first of 93 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 delinquency as the primary driver in Thurston. 37% of residents carry subprime credit (score below 660) — above the national median of 23%.
"Thurston County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story," 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 Thurston County's CDI score, and what does it mean?
What drives Thurston County's distress score?
How does Thurston County compare to its neighbors?
How is the County Distress Index calculated?
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