Idaho Financial Distress Profile
Composite distress data for 44 counties, updated quarterly from federal sources. Household debt, delinquency, foreclosure law, and county-level distress scores compared to national averages.
· Data from NY Fed, CFPB, BLS, US Courts, Q4 2025
Behind on your mortgage in Idaho? See your options under Idaho law →
Idaho ranks #43 nationally for household financial distress. County Distress Index details are listed separately for its 44 counties. The national State Distress Index average is 50.0.
How Does Idaho Compare to the National Average?
Idaho is above the national average on 1 of 5 key household distress metrics. Credit card delinquency stands at 9.5% (below the 12.4% national rate), auto loan delinquency at 3.3%, and total debt per capita at $69,450.
Since 2019, credit card delinquency in Idaho has risen 2.7pp and total household debt has grown 37.6%. Most metrics remain below the national baseline.
Key Statistics at a Glance
State Distress Index: Idaho
Domain Breakdown
The national American Distress Index reads 44.6 (Typical). On average, its inputs sit higher than in 45% of their own quarterly histories since 2005. Idaho's State Distress Index of 24.9 (Least distressed fifth) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, labor, and the safety-net buffer.
Idaho vs. National Average
Delinquency rates measure the share of loan accounts 30 or more days past due. Higher rates signal greater household financial stress. Debt and balance figures are per capita, adjusted for state population.
Download all states (CSV)Idaho vs. National: 5 Key Metrics (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax, Q4 2025.
Similar States by Distress Level
States ranked closest to Idaho (#43) on the State Distress Index. Peer comparison reveals whether distress patterns are regional or structural.
Change Since 2019
Pre-pandemic 2019 values provide a baseline for how distress has evolved. Credit card and auto loan delinquency have risen sharply in most states since pandemic-era forbearance protections expired.
| Metric | 2019 | 2025 | Change | Nat'l 2025 |
|---|---|---|---|---|
| Credit Card Delinquency | 6.8% | 9.5% | +2.7pp | 12.4% |
| Auto Loan Delinquency | 2.9% | 3.3% | +0.4pp | 5.2% |
| Mortgage Delinquency | 0.47% | 0.74% | +0.3pp | 0.94% |
| Total Debt per Capita | $50,470 | $69,450 | +37.6% | $63,200 |
| CC Balance per Capita | $2,930 | $3,870 | +32.1% | $4,350 |
Idaho Foreclosure Law Summary
Understanding your state's foreclosure process is critical if you fall behind on mortgage payments. Idaho primarily uses non-judicial foreclosure.
Idaho has two foreclosure tracks: (1) non-judicial trustee's sale under the Idaho Trust Deeds Act (Idaho Code § 45-1502 to 45-1515), the standard and most common path for residential foreclosures using deeds of trust; and (2) judicial foreclosure und…
Full Idaho foreclosure law guide →State-Level Divergence
National averages mask wide variation across states. Idaho's credit card delinquency of 9.5% falls below the national 12.4%, but other metrics tell a more nuanced story. The state's Distress Index reads 24.9 (Least distressed fifth). The Household Debt by State roundup tracks all 51 jurisdictions.
Distress by County
The County Distress Index scores every county in Idaho on a 0-100 scale using five equal-weighted domains: delinquency, default and legal, debt burden, labor, and safety net and buffer. Idaho's 44 counties average 38.4 — below the national county mean of 50.0.
Distress Fifth Distribution
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Most Distressed Counties
| County | Score | Distress Fifth | Top Driver |
|---|---|---|---|
| Shoshone County | 65.1 | Second-most distressed fifth | Labor |
| Washington County | 57.7 | Second-most distressed fifth | Labor |
| Benewah County | 57.1 | Second-most distressed fifth | Labor |
| Owyhee County | 53.8 | Middle fifth | Delinquency |
| Clearwater County | 53.8 | Middle fifth | Labor |
Shoshone County ranks #721 most distressed nationally out of 3,144 counties.
Least Distressed Counties
| County | Score | Distress Fifth | Top Domain |
|---|---|---|---|
| Oneida County | 17.7 | Least distressed fifth | Safety Net & Buffer |
| Blaine County | 18.6 | Least distressed fifth | Labor |
| Teton County | 21.8 | Least distressed fifth | Debt Burden (housing basis) |
| Franklin County | 22.1 | Least distressed fifth | Debt Burden (housing basis) |
| Jefferson County | 23.1 | Least distressed fifth | Default & Legal |
The gap between Idaho's most and least distressed counties is 47.5 points — Shoshone County (65.1, Second-most distressed fifth) vs. Oneida County (17.7, Least distressed fifth). That spread reveals two very different economic realities within the same state.
Explore all 44 Idaho counties →CFPB Mortgage Complaints in Idaho
The Consumer Financial Protection Bureau has received 1,357 mortgage complaints from Idaho since 2012 — 67.8 per 100,000 residents, below the national rate of 129.3 per 100K. Idaho ranks #39 of 51 jurisdictions for complaint density.
| Year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Complaints | 88 | 78 | 59 | 75 | 75 | 106 |
Source: CFPB Consumer Complaint Database. Filed a mortgage complaint? Search the complaint database.
Bankruptcy Filings: Idaho
Bankruptcy filings reflect the downstream consequence of sustained financial distress — when households exhaust savings, fall behind on debt, and run out of alternatives. Idaho's filing rate is below the national average.
Source: U.S. Courts, Administrative Office. Table F-2: Cases Commenced by Chapter. Per-capita rates use 2024 Census population estimates.
Credit Distress: Idaho
The Philadelphia Fed Consumer Credit Explorer tracks credit health metrics from Equifax data. 10.8% of Idaho residents have debt in collections — below the national rate of 13.9%. 12.0% have subprime credit scores (below 620), and 30.0% are credit-constrained.
Source: Philadelphia Fed Consumer Credit Explorer. Data from NY Fed Consumer Credit Panel / Equifax. 2025 Q1.
Economic Context: Idaho
SNAP enrollment and unemployment rates provide upstream context for household debt distress. Higher food assistance enrollment signals that more families are struggling with basic expenses, while elevated unemployment directly reduces income available for debt service.
Sources: USDA Food and Nutrition Service, BLS Local Area Unemployment Statistics. Population: U.S. Census Bureau 2024 estimates.
Safety Net Strength: Idaho
The Safety Net Index measures how much support infrastructure is available to households in financial distress — combining healthcare coverage, food assistance, emergency housing funds, and legal protections. Idaho scores 41 out of 100 (Weak), ranking #36 of 51 jurisdictions.
Component Breakdown
Sources: Kaiser Family Foundation (Medicaid, 2024), USDA FNS (SNAP, 2025), U.S. Treasury HAF program status, state foreclosure statutes.
Frequently Asked Questions
What is the credit card delinquency rate in Idaho?
The credit card delinquency rate in Idaho is 9.5% as of Q4 2025, ranking #43 among all states and DC. The national average is 12.4%. This rate has risen from 6.8% in 2019.
How does Idaho's household debt compare to the national average?
Idaho residents carry $69,450 in total debt per capita, above the national average of $63,200. Debt per capita has grown 37.6% since 2019. Idaho ranks #15 nationally for total household debt per capita.
What is the auto loan delinquency rate in Idaho?
Auto loan delinquency in Idaho stands at 3.3% as of Q4 2025, below the national rate of 5.2%. This ranks #41 nationally. The rate has risen from 2.9% in 2019.
What type of foreclosure process does Idaho use?
Idaho primarily uses non-judicial foreclosure. This allows lenders to foreclose without court proceedings, resulting in a faster process. See our full Idaho foreclosure law guide for timelines, protections, and legal resources.
Is Idaho above or below the national average for financial distress?
Idaho scores 24.9 on the State Distress Index (Least distressed fifth), ranking #43 of 51 jurisdictions. That is 25.1 points below the national state average of 50.0. This composite score is built from 4 domains: delinquency, default and legal, labor, and safety net and buffer. Separately, the national American Distress Index reads 44.6 (Typical) for the country over time. On average, its inputs sit higher than in 45% of their own quarterly histories since 2005.
How many CFPB mortgage complaints have been filed in Idaho?
The CFPB has received 1,357 mortgage complaints from Idaho since 2012, a rate of 67.8 per 100,000 residents. This ranks #39 of 51 jurisdictions. The national average is 129.3 per 100K. Companies responded to 98.7% of Idaho complaints within the required timeframe.
What is the bankruptcy filing rate in Idaho?
Idaho had 2,474 bankruptcy filings in the 12-month period ending Dec 2025, a rate of 122.2 per 100,000 residents — below the national rate of 169.1 per 100K. This ranks #30 of 51 jurisdictions. Chapter 7 filings account for 92.1% and Chapter 13 for 7.3%. Filings changed +23.3% year-over-year.
What percentage of people in Idaho have debt in collections?
10.8% of individuals in Idaho have debt in collections, below the national rate of 13.9%. This ranks #33 of 51 jurisdictions. Additionally, 12.0% of Idaho residents have subprime credit scores (below 620), compared to 16.9% nationally. Data from the Philadelphia Fed Consumer Credit Explorer (NY Fed / Equifax).
What is the SNAP enrollment rate in Idaho?
124,433 residents of Idaho receive SNAP benefits, an enrollment rate of 6.2% — below the national rate of 11.2%. This ranks #46 of 51 jurisdictions. SNAP participation has changed -7.7% year-over-year. The pre-pandemic rate was 7.1%.
How strong is Idaho's financial safety net?
Idaho scores 41 out of 100 on the Safety Net Index, ranking #36 of 51 jurisdictions (Weak). The score combines Medicaid coverage (15.7% enrollment rate, expansion state), SNAP enrollment (6.2%), Homeowner Assistance Fund status (winding down), and foreclosure legal protections. The national average is 48.1.
Which Idaho counties have the highest financial distress?
Shoshone County is the most distressed county in Idaho with a County Distress Index score of 65.1 (Second-most distressed fifth), ranking #721 nationally out of 3,144 counties. Washington County (57.7), Benewah County (57.1), Owyhee County (53.8) round out the top distressed counties. Oneida County is the least distressed at 17.7 (Least distressed fifth). See all 44 counties at /counties/idaho/.
How long can foreclosure take in Idaho?
Idaho uses non-judicial foreclosure, which allows lenders to foreclose without court proceedings. Timeline varies by county and complexity. Homeowners have a right to cure: You have 115 days from the date the Notice of Default was recorded to cure the d…. The homestead exemption is $175,000. Full details at /help/foreclosure/idaho/.
Where does Idaho rank for financial distress?
Idaho scores 24.9 on the State Distress Index (Least distressed fifth), ranking #43 of 51 jurisdictions. 1 of 5 key metrics exceed national averages. The highest SDI domain is Default & Legal. County Distress Index details are listed separately by county. The safety net ranks #36 (Weak).
Data Sources
NY Fed Consumer Credit Panel
State-level household debt and delinquency statistics from the Federal Reserve Bank of New York, based on Equifax credit bureau data. Updated quarterly.
American Distress Index
Composite index tracking U.S. household financial distress across five equal-weighted domains. National score as of the latest available quarter.
Idaho Foreclosure Statutes
State foreclosure law data compiled from primary statutory sources and validated against legal databases. Last verified 2026-03-10.
CFPB Complaint Database
Mortgage complaints filed with the Consumer Financial Protection Bureau, 2012–present. Density calculated using 2024 Census population estimates.
USDA SNAP State Activity
Monthly SNAP participation by state from the USDA Food and Nutrition Service. Enrollment rates computed against 2024 Census population estimates.
U.S. Bankruptcy Courts
Annual bankruptcy filings by chapter and district from the Administrative Office of the U.S. Courts. Per-capita rates computed against 2024 Census population estimates.
Philadelphia Fed Consumer Credit Explorer
Quarterly credit health metrics (collections, subprime share, delinquency, credit-constrained rates) from Equifax via the NY Fed Consumer Credit Panel.
Safety Net Index
Composite score from KFF Medicaid enrollment (2024), USDA SNAP participation (2025), U.S. Treasury HAF program status, and state foreclosure legal protections.