Morgan County, Utah

County Distress Index: Healthy · 15.3 | 13,000 people · 29th most distressed in Utah
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Morgan County, UT ranks among the least distressed counties in the country at 15.2 — 3132nd nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within Utah, it ranks 29th of 29 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Morgan County's primary driver is Economic Vitality at 50.8 — above the national median.

Economic Vitality Primary driver 50.8
Wage-to-Rent Ratio 93
Rent-to-Income Ratio 5
Business Formation Rate 5
House Price Change (YoY) 66
Legal Distress 39.9
Bankruptcy Filing Rate 40
Housing Cost Burden 13.5
Rent-Burdened (30%+) 5
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 83
Homeownership Rate 5
Structural Poverty 8.2
Unemployment Rate 30
Poverty Rate 5
Income vs. State Median 5
Child Poverty Rate 5
Disability Rate 5
Transfer Income Dependency 5
Consumer Credit Distress 7.4
Debt in Collections 5
Medical Debt 15
Auto Loan Delinquency 5
Credit Card Delinquency 5
Uninsured Rate 18
Subprime Credit Population 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Morgan County
Morgan County, UT 15.3 Healthy —
Salt Lake County, UT 48.2 Normal +32.9
Weber County, UT 44.9 Normal +29.7
Davis County, UT 32.2 Healthy +17.0
Rich County, UT 21.4 Healthy +6.2
Summit County, UT 20.6 Healthy +5.4

Population Peers

CountyScoreZonevs. Morgan County
Nemaha County, KS 15.1 Healthy -0.1
Winneshiek County, IA 16.2 Healthy +1.0
Jefferson County, MT 16.5 Healthy +1.3
Grundy County, IA 16.6 Healthy +1.3
Lincoln County, WY 17.1 Healthy +1.8

Download Data

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

Find Help in Morgan County

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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 Morgan 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 Morgan County, Utah?

    Morgan County has a County Distress Index score of 15.3 out of 100, placing it in the Healthy zone. It ranks 3,132nd nationally out of 3,144 counties and 29th in Utah out of 29 counties.

  • What drives financial distress in Morgan County?

    The primary driver of distress in Morgan County is Economic Vitality, where the county scores 50.8 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Morgan County compare to neighboring counties?

    Morgan County (15.3) can be compared to its 5 neighboring counties: Salt Lake County, UT (48.2); Weber County, UT (44.9); Davis County, UT (32.2).

  • 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). Morgan County's score of 15.3 sits in the Healthy zone (below 46).

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

    Morgan 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 Morgan County?

    Morgan County, Utah has a population of approximately 13,000 (2023 Census estimate), classified as a small county.