Home Counties Washington Yakima County
Washington · County Distress Index · 2026

The Irrigation

Yakima County, Washington

Elevated CDI Score 58.78 · 1,032nd of 3,144 nationally · 256,643 people How the CDI is calculated →

· Annual refresh · next update early 2027

Hop field near Moxee in the Yakima Valley, Washington. Rows of hop trellises stretch toward the horizon under a clear sky.
Hop field near Moxee, east of Yakima. The Valley produces 75% of America's hops. Robert Ashworth / Wikimedia Commons (CC BY 2.0)

Yakima County produces $2.3 billion in crops on Bureau of Reclamation water and sustains its workforce on Medicaid, SNAP, and a federally qualified health center network. Both irrigation systems are external. Both are politically vulnerable.

What the CDI Says About Yakima County

  • Most distressed county in Washington state — Yakima scores 58.8 on the American Default Research County Distress Index (CDI), ranking 1,032 of 3,144 counties and placing it in the Elevated zone.
  • 96th-percentile unemployment — Economic Vitality scores 75.8 out of 100. The rate swings from 4.2% at harvest peak in September to 7.2% in December, a three-point seasonal gap.
  • 50% of the county is on Medicaid — more than 130,000 residents. Medical debt in collections registers at 0.0% against a 3.7% national median. The safety net intercepts the debt before it forms.
  • $2.3 billion in annual farm sales on eight inches of rainfall — Yakima is the nation's leading apple-producing county and grows 75% of America's hops. Average weekly wage in the agricultural workforce: $1,002.
  • 27-point gap with King County — Yakima at 58.8, King County (Seattle) at 31.4. The most and least distressed counties in Washington share a border along the Cascade crest.
Yakima County grows 75% of America's hops. It is also the most distressed county in Washington on the County Distress Index. Half the county is on Medicaid. Medical debt in collections: 0.0%.
American Default Research · americandefault.org/counties/washington/yakima-county-wa/
Ross Kilburn

Yakima's profile is inverted from most distressed counties I've written. The usual pattern is debt-led — households that borrowed and fell behind. Yakima's Consumer Credit Distress reads normal. The distress is upstream, in the labor market and the housing stock. The orchards need irrigated water. They also need irrigated labor. Both arrive from somewhere else, and both are politically vulnerable.

Ross Kilburn, Founder & Lead Analyst
American Default Research · 1,000+ short sales negotiated · Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013)

Eight inches of rain and $2.3 billion in crops

Drive east from Seattle on I-90 and the state splits in two. You cross Snoqualmie Pass, drop through the Cascades, and the rain disappears. Western Washington gets 37 inches a year. The Yakima Valley gets eight. The landscape empties into sagebrush and basalt, and then — abruptly — orchards. Apple trees in rows so precise they look industrial. Hop trellises running to the horizon. Vineyards climbing hillsides that haven't seen natural rain in months.

None of it should be here. The valley floor is high desert. What you're looking at is infrastructure — 72,000 acres opened by the Roza Canal in 1945, another 150,000 irrigated through the Wapato Project on the Yakama Reservation. Bureau of Reclamation water turning eight inches of rainfall into $2.3 billion in annual farm sales (2022 USDA Census).

The phrase locals use is "the Cascade Curtain." It works both ways. King County, on the other side, is the least distressed county in Washington — Amazon, Microsoft, tech salaries cushioning every metric. Yakima, on this side, is the most distressed. They share a border along the Cascade crest. Same state, same governor.

The workforce that feeds the crop

Yakima County is the leading apple-producing county in the nation. More than 55,000 acres of orchards. Nearly 19,000 acres of hops. Nearly 19,000 acres of wine grapes across more than 90 wineries. Eight thousand acres of pears. The hop fields alone produce 75% of the American crop — in 2015 and 2016, the Yakima Valley outproduced Germany.

The agricultural workforce — 29,212 jobs, the county's largest sector — generates $1.16 billion in annual wages (2024) for output worth twice that. Elizabeth McGree, whose family has farmed hops at Morrier Ranch since 1915, puts it simply: "You have people coming from every other part of the world because they want American hops."

The people who grow them are a different story. Yakima County is 54% Hispanic, up from 14% in 1980. The demographic shift tracks agricultural labor migration across a single generation. An estimated 24,000 residents — roughly 9% of the county — are undocumented. The county's economy runs on labor that its own immigration system treats as illegal. The orchards need irrigated water. They also need irrigated labor. Both arrive from somewhere else.

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

Working September, surviving January

The unemployment rate tells a story that annual averages obscure. In September 2025, at harvest peak, unemployment was 4.2%. By December, when the orchards are bare and the hop bines are cut, it hit 7.2%. A three-percentage-point swing in a single season.

The CDI reads unemployment at the 96th percentile — worse than 96.8% of American counties. That number is the annual average, which means it captures a structural feature of seasonal agriculture rather than a permanent labor market failure. I've been uncertain about this in other agricultural counties, and Yakima makes the question sharper: is 96th-percentile unemployment in a county with a 4.2% harvest-season rate a distress signal or a measurement artifact? The answer, I think, is both. The seasonal swing means that thousands of workers cycle through months without income every year. The CDI's Economic Vitality domain — 75.8 out of 100 — isn't wrong. It's capturing the gap between working September and surviving January.

In August 1939, the Farm Security Administration sent Dorothea Lange to photograph migrant workers in this valley — a mother picking pears at 30 cents an hour in 106-degree heat. The FSA built labor camps at Ahtanum and Crewport, direct siblings of the Weedpatch camp near Bakersfield that Steinbeck put in The Grapes of Wrath. Same federal program, same plywood architecture, same mission: give the people who harvest the crop a place to sleep. Eighty-six years later, the county provides approximately 4,600 beds of seasonal farmworker housing for over 45,000 seasonal jobs. The ratio hasn't improved.

The 2025 harvest added a new pressure. ICE arrests in Washington surged to 1,044 by September, up from 976 in all of 2024. Voluntary departures jumped from 592 in February to 4,241 in July. Edgar Franks, political director of Familias Unidas por la Justicia, described the effect: "There's been more reluctance for people to feel free, to move around and look for work." The nation lost 155,000 agricultural workers between March and July 2025 — roughly a 7% decline. The early apple harvest came in 5.6 million boxes short of forecast, driven by August heat and selective picking in a season when labor availability was already in question. The labor supply was irrigated too. Now it's being cut.

Half the county on Medicaid, zero medical debt

More than 130,000 Yakima County residents — 50% of the county's population — are enrolled in Medicaid. Nearly 87% of children under 19 are covered. The hospitals depend on it: Medicaid represents 25% to 36.9% of gross revenues across the county's hospital system. At Astria Toppenish Hospital, on the Yakama Reservation, the Medicaid share of admissions is even higher.

Then there's the number that I haven't encountered anywhere else in 15 county profiles. Medical debt in collections: 0.0%. Nationally the median is 3.7%. Yakima registers zero. The county is 13% uninsured, which would normally produce measurable medical collections. But the safety net intercepts the debt before it forms. The Yakima Valley Farm Workers Clinic — founded in 1978 in a plywood house built by VISTA volunteers in Toppenish — now serves over 200,000 patients annually with sliding-fee scales. SNAP enrollment sits at the 91st percentile nationally. One in five tax filers claims the Earned Income Tax Credit. Transfer payments account for 27.9% of all personal income in the county.

Eight inches of annual rainfall. Without the Roza Canal, no orchards. Wages that barely clear the national median. Without Medicaid and the FQHC network, the workers who pick those orchards can't afford to stay alive in the place where they work.

The debt domain hasn't caught up

Yakima's CDI profile is inverted from most distressed counties I've written. The usual pattern is debt-led — high delinquency, high collections, households that borrowed and fell behind. Yakima's Consumer Credit Distress domain scores 46.2. Normal. Below the national median. Auto loans, student loans, medical debt — all below average.

The distress is upstream. Economic Vitality: 75.8. Housing Cost Burden: 69.7. Structural Poverty: 62.4. The county's workers earn roughly median wages when they're working, but far more people lack work than almost anywhere in the country. The homeownership rate is 62.4% — only 10.7% of counties have a lower rate. Among owners, 29.3% spend more than 30% of income on housing, an 87th-percentile burden. The median home costs roughly $350,000 (ACS 2023), which wouldn't be alarming in Seattle. Against Yakima's income base, it is.

The debt domain hasn't caught up. Whether it does depends on what happens to the two irrigation systems. As of early 2026, Congress is debating Medicaid cuts that could strip coverage from 31,693 people in the congressional district alone. Julia Barcott of the Washington State Nurses Association described what that means: "Patients will put off getting care until their conditions are far more serious and harder to treat."

The counterpoint is real. Business formation has surged 66% since 2019 — 2,328 new applications in 2024, up from 1,402. The YVFWC has grown from a single clinic in Toppenish into a 2,000-employee healthcare network. Graduation rates in the Yakima School District have climbed from 73% to 82% over five years. The county is not a story of uninterrupted decline. The system works as long as the water keeps flowing.

What happens when the water stops

The Treaty of 1855 ceded 12 million acres of Yakama land and reserved fishing rights to what was once a run of an estimated 16 million salmon. Today the basin would be fortunate to see 2 million return. The same infrastructure that built the valley's agricultural economy — the canals, the diversions, the dams — made the treaty's promise structurally impossible to keep. Irrigation always costs someone. The indicators to watch are Economic Vitality, already at 75.8, and the Consumer Credit Distress domain that sits at 46.2 like a pressure gauge still reading normal while the system upstream strains. If either irrigation system contracts — if the water rights tighten or the Medicaid enrollment drops — the 27-point gap between this county and the one on the other side of the mountains is going to widen. The crop will still grow. The question is whether the people who harvest it can still afford to be here.

Yakima County Across the CDI's Five Domains

The CDI measures five domains of household financial distress. Yakima’s profile is unusual: Legal Distress leads at 78.7, driven by bankruptcy filings well above the national rate. Economic Vitality follows at 75.8, reflecting 96th-percentile unemployment and seasonal wage swings. Housing Cost Burden scores 69.7. Consumer Credit Distress, the domain that leads in most distressed counties, scores just 46.2 here — Normal. The distress is upstream of the borrowing.

Legal Distress Primary driver 78.7
Weight 7.4% · Rank 670 of 3,144 · Percentile 78.7
Economic Vitality 75.8
Weight 9.2% · Rank 286 of 3,144 · Percentile 90.9
Housing Cost Burden 69.7
Weight 22.3% · Rank 772 of 3,144 · Percentile 75.5
Structural Poverty 62.4
Weight 13.6% · Rank 1,061 of 3,144 · Percentile 66.3
Consumer Credit Distress 46.2
Weight 47.5% · Rank 1,684 of 3,144 · Percentile 46.4
Methodology & Weights

The County Distress Index uses principal component analysis to derive five factors from 21 indicators across 3,144 U.S. counties. Weights are proportional to each factor's share of explained variance.

Consumer Credit Distress 47.5%
Housing Cost Burden 22.3%
Structural Poverty 13.6%
Economic Vitality 9.2%
Legal Distress 7.4%

For Press & Research

Everything you need to cite Yakima County data — in under 60 seconds.

Embed preview <iframe src="https://americandefault.org/embed/counties/washington/yakima-county-wa/" width="100%" height="620" frameborder="0"></iframe>

The Indicators Behind Yakima County's CDI Score

Every number on this page traces to a public source. Full dataset available for download. Hover any metric name for its definition.

Metric Value Source
CDI Score 58.8 / 100 (Elevated) CDI
Economic Vitality 75.8 / 100 (96th-percentile unemployment) CDI
Annual farm sales $2.3 billion (2022 Census of Agriculture) USDA via WA ESD
Medicaid enrollment 130,000+ residents (50% of population) WSNA / WA Health Care Authority
Medical Debt in Collections 0.0% (national median 3.7%) Urban Institute 2024
Seasonal unemployment swing 4.2% (Sept) to 7.2% (Dec 2025) WA Employment Security Dept
Hispanic population share 54% (up from 14% in 1980) Census Bureau
Data compiled April 17, 2026 from Urban Institute (Equifax debt panel), U.S. Census Bureau (ACS, SAIPE), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents.

Questions About Yakima County's CDI Score

What is Yakima County's CDI score?

Yakima County scores 58.78 (Elevated zone) on the County Distress Index, ranking 1,032nd most distressed of 3,144 U.S. counties and 1st of 39 counties in Washington.

What drives distress in Yakima County?

Yakima County's primary driver is Legal Distress, where the county scores 78.7 out of 100. The CDI uses PCA-weighted composite scoring across five domains; see the CDI methodology for the full factor weights and indicator list.

Where does Yakima County sit on the national percentile?

Yakima County's CDI score of 58.78 puts it at the 67.2th percentile nationally — more distressed than roughly 67% of U.S. counties. See the full CDI methodology for how percentile ranks translate into the Elevated zone.

How often is Yakima County's CDI score updated?

Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows. Current data was compiled from releases in early 2026; next refresh is scheduled for early 2027.

What is the distress score for Yakima County, Washington?

Yakima County has a County Distress Index score of 58.8 out of 100, placing it in the Elevated zone. It ranks 1,032nd nationally out of 3,144 counties and 1st in Washington out of 39 counties.

What drives financial distress in Yakima County?

The primary driver of distress in Yakima County is Legal Distress, where the county scores 78.7 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

How does Yakima County compare to neighboring counties?

Yakima County (58.8) can be compared to its 8 neighboring counties: Pierce County, WA (51.2); Grant County, WA (48.6); Lewis County, WA (48.5).

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.

Ross Kilburn
Written by

Ross Kilburn, Founder

American Default Research · Seattle, Washington

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Twice named to Puget Sound Business Journal Fast 50 for Ark Law Group. B.A., University of California, Berkeley, 1992. Founded American Default Research in 2026 to fill a gap in public data that had been empty since 2013.

Read more
from Ross →

Find Help in Yakima County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Yakima County.

CATHOLIC CHARITIES HOUSING SERVICES
Yakima
Financial CounselingFinancial CounselingHome Improvement/RehabPre-Purchase
OIC OF WASHINGTON
Yakima
Foreclosure PreventionFinancial CounselingPre-PurchaseHomebuyer Education

Find an Attorney

Washington State Bar Association — Find Legal Help offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Free Legal Aid

Legal aid organizations serving Yakima County residents at no cost.

Self-Help Resources

Washington Law Help — Foreclosure Free legal information and self-help resources for low-income Washington residents, including foreclosure guides, tenant rights in foreclosure, and links to legal aid.
Washington Courts Self-Help Resources Washington Courts website with forms, instructions, and resources for self-represented litigants including those involved in foreclosure-related proceedings.
DFI Foreclosure Assistance and Information Department of Financial Institutions page with foreclosure prevention resources, consumer alerts about foreclosure rescue scams, and links to assistance programs.

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