Millard County, Utah

County Distress Index: Healthy · 27.1 | 13,437 people · 23rd most distressed in Utah
American Default Research

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Millard County, UT ranks among the least distressed counties in the country at 27.1 — 2889th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Utah, it ranks 23rd of 29 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. Millard County's primary driver is Legal Distress at 50.1 — above the national median.

Legal Distress Primary driver 50.1
Bankruptcy Filing Rate 50
Structural Poverty 39.5
Unemployment Rate 45
Poverty Rate 15
Income vs. State Median 77
Child Poverty Rate 26
Disability Rate 36
Transfer Income Dependency 26
Economic Vitality 38.3
Wage-to-Rent Ratio 44
Rent-to-Income Ratio 42
Business Formation Rate 24
House Price Change (YoY) 25
Housing Cost Burden 24.6
Rent-Burdened (30%+) 33
Severely Rent-Burdened (50%+) 15
Mortgage-Burdened (30%+) 25
Homeownership Rate 27
Consumer Credit Distress 18.9
Debt in Collections 10
Medical Debt 28
Auto Loan Delinquency 5
Credit Card Delinquency 24
Uninsured Rate 74
Subprime Credit Population 8

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Millard County
Millard County, UT 27.1 Healthy —
White Pine County, NV 46.7 Normal +19.7
Lincoln County, NV 46.2 Normal +19.2
Sevier County, UT 40.3 Normal +13.2
Sanpete County, UT 37.9 Normal +10.8
Juab County, UT 29.1 Healthy +2.0
Beaver County, UT 27.8 Healthy +0.8

Population Peers

CountyScoreZonevs. Millard County
Trempealeau County, WI 27.1 Healthy 0.0
Emmet County, MI 27.1 Healthy +0.0
Pitkin County, CO 27.0 Healthy -0.1
Fillmore County, MN 27.2 Healthy +0.1
Kossuth County, IA 26.9 Healthy -0.1

Download Data

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

Find Help in Millard County

Find an Attorney

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

Utah State Bar Lawyer Referral Service 801-531-9077

Free Legal Aid

Legal aid organizations serving Millard County residents at no cost.

Utah Legal Services 1-800-662-4245
Legal Aid Society of Salt Lake 801-328-8849

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Frequently Asked Questions

  • What is the distress score for Millard County, Utah?

    Millard County has a County Distress Index score of 27.1 out of 100, placing it in the Healthy zone. It ranks 2,889th nationally out of 3,144 counties and 23rd in Utah out of 29 counties.

  • What drives financial distress in Millard County?

    The primary driver of distress in Millard County is Legal Distress, where the county scores 50.1 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Millard County compare to neighboring counties?

    Millard County (27.1) can be compared to its 6 neighboring counties: White Pine County, NV (46.7); Lincoln County, NV (46.2); Sevier County, UT (40.3).

  • 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). Millard County's score of 27.1 sits in the Healthy zone (below 46).

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

    Millard 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 Millard County?

    Millard County, Utah has a population of approximately 13,437 (2023 Census estimate), classified as a small county.