Idaho Financial Distress Profile
Household debt and delinquency, bankruptcy filings, unemployment, foreclosure law and county distress scores for Idaho and its 44 counties, from federal sources, each shown beside the U.S. figure.
· Data from Federal Reserve Bank of New York, Consumer Financial Protection Bureau, U.S. Bureau of Labor Statistics, Administrative Office of the U.S. Courts, Q4 2025
Behind on your mortgage in Idaho? See your options under Idaho law →
Idaho ranks #37 of 51 jurisdictions on the State Distress Index, in the second-least distressed fifth: its score of 28 means it is more distressed than 28% of the 50 states and D.C.. County Distress Index details are listed separately for its 44 counties.
How Does Idaho Compare With the U.S.?
Idaho is above the U.S. figure on 1 of 5 household debt measures from the Federal Reserve Bank of New York for Q4 2025: total debt per adult with a credit file ($69,450). Credit card delinquency is 9.5%, 2.9 percentage points below the U.S. 12.4%; total debt per adult with a credit file is $69,450, $6,250 above the U.S. $63,200.
Credit card delinquency in Idaho is up 2.7 percentage points from 6.8% in Q4 2019, and total debt per adult with a credit file is 37.6% higher than in Q4 2019.
Key Statistics at a Glance
State Distress Index: Idaho
Movement since 2006
Since 2006, Idaho has climbed from the 44th-most distressed jurisdiction to the 40th-most distressed, as of 2025 Q1. Its State Distress Index score rose from 14 to 22 over the same span.
Quarter-aligned back-series. Each quarter re-ranks all 51 jurisdictions on that quarter's own data, so a state's position here can sit several spots from the current reading above, which uses each input's latest value.
Domain Breakdown
The national American Distress Index reads 47.0 (Typical). The composite itself sits higher than 44% of all published quarters since 2005. Idaho's State Distress Index of 28 (low state distress) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, housing-basis debt burden, and labor.
Idaho and the U.S.
Delinquency rates measure balances 90 or more days past due as a share of total balances in each loan category. Higher rates signal greater household financial stress. Debt and balance figures are per adult with a credit file, not per resident.
Download all states (CSV)Idaho and the U.S.: 5 Household Debt Measures (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax, Q4 2025.
Similar States by Distress Level
The states ranked closest to Idaho (#37) on the State Distress Index, with the domain that scores highest in each.
| State | SDI Score | Score Label | Highest Domain |
|---|---|---|---|
| Idaho | 28 | low state distress | Labor |
| Massachusetts | 32 | low-moderate state distress | Debt Burden (housing basis) |
| Kansas | 30 | low-moderate state distress | Default & Legal |
| Hawaii | 26 | low state distress | Debt Burden (housing basis) |
Change Since 2019
Q4 2019, the last fourth quarter before the pandemic, is the baseline. Credit card delinquency is higher than in Q4 2019 in 51 of 51 jurisdictions, and auto loan delinquency is higher in 33.
| Metric | Q4 2019 | Q4 2025 | Change | U.S. Q4 2025 |
|---|---|---|---|---|
| Credit Card Delinquency | 6.8% | 9.5% | +2.7 percentage points | 12.4% |
| Auto Loan Delinquency | 2.9% | 3.3% | +0.4 percentage points | 5.2% |
| Mortgage Delinquency | 0.47% | 0.74% | +0.27 percentage points | 0.94% |
| Total Debt per Adult With a Credit File | $50,470 | $69,450 | +37.6% | $63,200 |
| Card Balance per Adult With a Credit File | $2,930 | $3,870 | +32.1% | $4,350 |
Idaho Foreclosure Law Summary
If you fall behind on mortgage payments, the steps and deadlines depend on state law. Idaho mainly uses non-judicial foreclosure, which a lender can carry out without going to court.
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…
- Paying to stop the foreclosure: You have 115 days from the date the Notice of Default was recorded to cure the default by paying all past-due amounts, late fees, trustee fees, and costs.
How Idaho Sits Among the States
Idaho's credit card delinquency rate is 9.5%, 2.9 percentage points below the U.S. 12.4%, and ranks #43 of 51. 1 of 5 NY Fed household debt measures are above the U.S. figure, and the State Distress Index reads 28 (low state distress). The Household Debt by State roundup covers 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 30.1: on average, Idaho's counties are more distressed than 30% of U.S. counties. Across all 3,144 counties the average is 50.0, the middle of the scale.
Score Label Distribution
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Most Distressed Counties
| County | Score | Score Label | Top Driver |
|---|---|---|---|
| Shoshone County | 74 | high county distress | Labor |
| Washington County | 62 | moderate-high county distress | Labor |
| Benewah County | 61 | moderate-high county distress | Labor |
| Owyhee County | 59 | moderate county distress | Safety Net & Buffer |
| Clearwater County | 56 | moderate county distress | Labor |
Least Distressed Counties
| County | Score | Score Label | Top Domain |
|---|---|---|---|
| Blaine County | 0 | exceptionally low county distress | Safety Net & Buffer |
| Oneida County | 2 | exceptionally low county distress | Safety Net & Buffer |
| Teton County | 3 | exceptionally low county distress | Debt Burden (housing basis) |
| Franklin County | 6 | exceptionally low county distress | Debt Burden (housing basis) |
| Bear Lake County | 8 | exceptionally low county distress | Default & Legal |
The most distressed county in Idaho is Shoshone County (74, high county distress); the least distressed is Blaine County (0, exceptionally low county distress).
Explore all 44 Idaho counties →CFPB Mortgage Complaints in Idaho
The Consumer Financial Protection Bureau has received 1,443 mortgage complaints from Idaho since 2012, 72.1 per 100,000 residents, 62.9 below the U.S. rate of 135. Idaho ranks #39 of 51 on complaints per resident.
| 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
The filing rate is bankruptcy cases filed in a year, from the Administrative Office of the U.S. Courts, per 100,000 residents. It does not identify household causes, motives, assets, income, or case outcomes. Idaho's rate of 122.2 is 46.9 below the U.S. rate of 169.1.
Source: U.S. Courts, Administrative Office. Table F-2: Cases Commenced by Chapter. Per-capita rates use 2024 U.S. Census Bureau population estimates.
Credit Distress: Idaho
The Federal Reserve Bank of Philadelphia's Consumer Credit Explorer reports credit health from NY Fed / Equifax credit records. 10.8% of people with a credit file in Idaho have debt in collections, 3.1 percentage points below the U.S. average 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. Q1 2025. The U.S. average is weighted by state population (our calculation).
Economic Context: Idaho
SNAP enrollment and unemployment give context for the debt figures above. The unemployment rate measures joblessness among people in the labor force. SNAP enrollment reflects each state's program rules and reach as well as need, which is why it is not part of the State Distress Index.
Sources: U.S. Department of Agriculture 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 32.8 out of 100 (Weak), ranking #40 of 51 jurisdictions.
Component Breakdown
Sources: Kaiser Family Foundation (Medicaid, 2024), USDA FNS (SNAP, June 2026), 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 the 51 states and DC, 2.9 percentage points below the U.S. 12.4%. It is up 2.7 percentage points from 6.8% in Q4 2019.
How does Idaho's household debt compare with the U.S.?
The NY Fed reports a $69,450 total debt balance per adult with a credit file in Idaho, $6,250 above the U.S. $63,200 on the same basis. That is 37.6% higher than in Q4 2019. Idaho ranks #15 on that basis.
What is the auto loan delinquency rate in Idaho?
Auto loan delinquency in Idaho is 3.3% as of Q4 2025, 1.9 percentage points below the U.S. 5.2%. This ranks #41 of 51. The rate is up from 2.9% in Q4 2019.
What type of foreclosure process does Idaho use?
Idaho mainly uses non-judicial foreclosure, which a lender can carry out without going to court. See our Idaho foreclosure guide for the timeline, homeowner protections and where to get free help.
What is Idaho's State Distress Index score?
Idaho scores 28 on the State Distress Index (low state distress), which means it is more distressed than 28% of the 50 states and D.C.. It ranks #37 of 51 jurisdictions, in the second-least distressed fifth. The score is built from 4 equal-weighted domains: delinquency, default and legal, debt burden on a housing basis, and labor. It ranks states against each other at one time. Separately, the national American Distress Index reads 47.0 (Typical) for the country over time. The composite itself sits higher than 44% of all published quarters since 2005.
How many CFPB mortgage complaints have been filed in Idaho?
The CFPB has received 1,443 mortgage complaints from Idaho since 2012, 72.1 per 100,000 residents, 62.9 below the U.S. rate of 135. That ranks #39 of 51. Companies responded to 98.7% of Idaho complaints on time.
What is the bankruptcy filing rate in Idaho?
Idaho had 2,474 bankruptcy filings in the 12-month period ending Dec 2025, 122.2 per 100,000 residents, 46.9 below the U.S. rate of 169.1. This ranks #30 of 51. Chapter 7 filings account for 92.1% and Chapter 13 for 7.3%. That is 23.3% more filings than in 2024.
What percentage of people in Idaho have debt in collections?
10.8% of people with a credit file in Idaho have debt in collections, 3.1 percentage points below the U.S. average of 13.9%. This ranks #33 of 51. 12.0% have subprime credit scores (below 620), 4.9 percentage points below the U.S. average of 16.9%. Data from the Federal Reserve Bank of Philadelphia Consumer Credit Explorer (NY Fed / Equifax), Q1 2025.
What is the SNAP enrollment rate in Idaho?
121,642 residents of Idaho received SNAP benefits in June 2026, an enrollment rate of 6.0%, 4.8 percentage points below the U.S. rate of 10.8%. This ranks #46 of 51. That is 8.2% fewer people than in June 2025. The rate is 1.1 percentage points below the October 2019 to February 2020 average.
How strong is Idaho's financial safety net?
Idaho scores 32.8 out of 100 on the Safety Net Index, ranking #40 of 51 (Weak). The score combines Medicaid coverage (15.7% enrollment rate, expansion state), SNAP enrollment (6%), and foreclosure legal protections. That is below the state average of 43.6.
Which Idaho counties have the highest financial distress?
Shoshone County is the most distressed county in Idaho with a County Distress Index score of 74 · high county distress. Washington County (62 · moderate-high county distress), Benewah County (61 · moderate-high county distress), Owyhee County (59 · moderate county distress) are next. Blaine County is the least distressed at 0 · exceptionally low county distress. See all 44 counties at /counties/idaho/.
How long can foreclosure take in Idaho?
Idaho mainly uses non-judicial foreclosure, which a lender can carry out without going to court. The timeline varies by county and case. Paying to stop the foreclosure: You have 115 days from the date the Notice of Default was recorded to cure the default by paying all past-due amounts, late fees, trustee fees, and costs. Homestead exemption: $175,000. Protects up to $175,000 of equity in your primary residence from judgment creditors. It applies automatically once you occupy the home as your principal residence; a declaration of homestead is required for land not yet occupied as a homestead. Does NOT stop mortgage or deed of trust foreclosure. Full details at /help/foreclosure/idaho/.
Where does Idaho rank for financial distress?
Idaho scores 28 on the State Distress Index (low state distress), which means it is more distressed than 28% of the 50 states and D.C.. It ranks #37 of 51 jurisdictions, in the second-least distressed fifth. 1 of 5 NY Fed household debt measures are above the U.S. figure. The State Distress Index domain with the highest score is Labor. County Distress Index details are listed separately by county. The safety net ranks #40 (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. Published once a year with fourth-quarter figures.
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 (latest month), and state foreclosure legal protections.