Nevada Financial Distress Profile
Household debt and delinquency, bankruptcy filings, unemployment, foreclosure law and county distress scores for Nevada and its 17 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 Nevada? See your options under Nevada law →
Nevada ranks #1 of 51 jurisdictions on the State Distress Index, in the most distressed fifth: its score of 100 means it is more distressed than every other state. County Distress Index details are listed separately for its 17 counties.
How Does Nevada Compare With the U.S.?
Nevada is above the U.S. figure on 4 of 5 household debt measures from the Federal Reserve Bank of New York for Q4 2025: credit card delinquency (16.3%), auto loan delinquency (6.2%), total debt per adult with a credit file ($71,260) and credit card balance per adult with a credit file ($5,060). Credit card delinquency is 16.3%, 3.9 percentage points above the U.S. 12.4%; total debt per adult with a credit file is $71,260, $8,060 above the U.S. $63,200.
Credit card delinquency in Nevada is up 4.8 percentage points from 11.5% in Q4 2019, and total debt per adult with a credit file is 30% higher than in Q4 2019.
Key Statistics at a Glance
State Distress Index: Nevada
Movement since 2006
Since 2006, Nevada has climbed from the 20th-most distressed jurisdiction to the most distressed, as of 2025 Q1. Its State Distress Index score rose from 62 to 100 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. Nevada's State Distress Index of 100 (extreme state distress) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, housing-basis debt burden, and labor.
Nevada 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)Nevada 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 Nevada (#1) on the State Distress Index, with the domain that scores highest in each.
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 | 11.5% | 16.3% | +4.8 percentage points | 12.4% |
| Auto Loan Delinquency | 5.8% | 6.2% | +0.4 percentage points | 5.2% |
| Mortgage Delinquency | 1.01% | 0.86% | −0.15 percentage points | 0.94% |
| Total Debt per Adult With a Credit File | $54,830 | $71,260 | +30% | $63,200 |
| Card Balance per Adult With a Credit File | $3,630 | $5,060 | +39.4% | $4,350 |
Nevada Foreclosure Law Summary
If you fall behind on mortgage payments, the steps and deadlines depend on state law. Nevada mainly uses non-judicial foreclosure, which a lender can carry out without going to court.
Most Nevada foreclosures proceed as trustee's sales under NRS Chapter 107, with no court involvement. Judicial foreclosure is available but rare. The most important feature is Nevada's Foreclosure Mediation Program — if you request mediation within 3…
- Paying to stop the foreclosure: For owner-occupied housing, Nevada allows borrowers to reinstate the loan (cure the default) until 5 days before the trustee's sale by paying all arrears, late fees, trustee fees, and attorney costs — but NOT the full accelerated balance. For other deeds of trust, the statutory cure period is 35 days after the notice of default is recorded and mailed.
Non-Judicial Foreclosure and Above-U.S. Delinquency
4 of 5 NY Fed household debt measures in Nevada are above the U.S. figure, and the state mainly uses non-judicial foreclosure, which a lender can carry out without going to court. In Nevada, foreclosures that finished in the second quarter of 2026 took an average of 1,507 days from the start of the foreclosure process to completion, according to ATTOM. A U.S. Department of Housing and Urban Development-approved housing counselor can explain the options at no cost; the Nevada foreclosure guide lists the steps and deadlines.
Distress by County
The County Distress Index scores every county in Nevada on a 0-100 scale using five equal-weighted domains: delinquency, default and legal, debt burden, labor, and safety net and buffer. Nevada's 17 counties average 56.4: on average, Nevada's counties are more distressed than 56% 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 |
|---|---|---|---|
| Nye County | 90 | extreme county distress | Labor |
| Clark County | 88 | very high county distress | Debt Burden (housing basis) |
| Esmeralda County | 84 | very high county distress | Labor |
| Mineral County | 71 | high county distress | Safety Net & Buffer |
| Storey County | 65 | moderate-high county distress | Debt Burden (housing basis) |
Least Distressed Counties
| County | Score | Score Label | Top Domain |
|---|---|---|---|
| Douglas County | 22 | low county distress | Debt Burden (housing basis) |
| Elko County | 28 | low county distress | Delinquency |
| Humboldt County | 30 | low-moderate county distress | Default & Legal |
| Pershing County | 44 | moderate-low county distress | Delinquency |
| Lincoln County | 48 | moderate-low county distress | Labor |
The most distressed county in Nevada is Nye County (90, extreme county distress); the least distressed is Douglas County (22, low county distress).
Explore all 17 Nevada counties →CFPB Mortgage Complaints in Nevada
The Consumer Financial Protection Bureau has received 5,334 mortgage complaints from Nevada since 2012, 167.0 per 100,000 residents, 32 above the U.S. rate of 135. Nevada ranks #10 of 51 on complaints per resident.
| Year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Complaints | 290 | 322 | 281 | 272 | 209 | 237 |
Source: CFPB Consumer Complaint Database. Filed a mortgage complaint? Search the complaint database.
Bankruptcy Filings: Nevada
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. Nevada's rate of 294.5 is 125.4 above 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: Nevada
The Federal Reserve Bank of Philadelphia's Consumer Credit Explorer reports credit health from NY Fed / Equifax credit records. 18.1% of people with a credit file in Nevada have debt in collections, 4.2 percentage points above the U.S. average of 13.9%. 19.5% have subprime credit scores (below 620), and 42.8% 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: Nevada
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: Nevada
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. Nevada scores 56.6 out of 100 (Moderate), ranking #7 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 Nevada?
The credit card delinquency rate in Nevada is 16.3% as of Q4 2025, ranking #1 among the 51 states and DC, 3.9 percentage points above the U.S. 12.4%. It is up 4.8 percentage points from 11.5% in Q4 2019.
How does Nevada's household debt compare with the U.S.?
The NY Fed reports a $71,260 total debt balance per adult with a credit file in Nevada, $8,060 above the U.S. $63,200 on the same basis. That is 30% higher than in Q4 2019. Nevada ranks #10 on that basis.
What is the auto loan delinquency rate in Nevada?
Auto loan delinquency in Nevada is 6.2% as of Q4 2025, 1 percentage point above the U.S. 5.2%. This ranks #8 of 51. The rate is up from 5.8% in Q4 2019.
What type of foreclosure process does Nevada use?
Nevada mainly uses non-judicial foreclosure, which a lender can carry out without going to court. See our Nevada foreclosure guide for the timeline, homeowner protections and where to get free help.
What is Nevada's State Distress Index score?
Nevada scores 100 on the State Distress Index (extreme state distress), which means it is more distressed than every other state. It ranks #1 of 51 jurisdictions, in the most 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 Nevada?
The CFPB has received 5,334 mortgage complaints from Nevada since 2012, 167.0 per 100,000 residents, 32 above the U.S. rate of 135. That ranks #10 of 51. Companies responded to 98.2% of Nevada complaints on time.
What is the bankruptcy filing rate in Nevada?
Nevada had 9,408 bankruptcy filings in the 12-month period ending Dec 2025, 294.5 per 100,000 residents, 125.4 above the U.S. rate of 169.1. This ranks #4 of 51. Chapter 7 filings account for 83% and Chapter 13 for 15.8%. That is 17.7% more filings than in 2024.
What percentage of people in Nevada have debt in collections?
18.1% of people with a credit file in Nevada have debt in collections, 4.2 percentage points above the U.S. average of 13.9%. This ranks #9 of 51. 19.5% have subprime credit scores (below 620), 2.6 percentage points above 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 Nevada?
372,879 residents of Nevada received SNAP benefits in June 2026, an enrollment rate of 11.4%, 0.6 percentage points above the U.S. rate of 10.8%. This ranks #15 of 51. That is 24.3% fewer people than in June 2025. The rate is 1.3 percentage points below the October 2019 to February 2020 average.
How strong is Nevada's financial safety net?
Nevada scores 56.6 out of 100 on the Safety Net Index, ranking #7 of 51 (Moderate). The score combines Medicaid coverage (18.8% enrollment rate, expansion state), SNAP enrollment (11.4%), and foreclosure legal protections. That is above the state average of 43.6.
Which Nevada counties have the highest financial distress?
Nye County is the most distressed county in Nevada with a County Distress Index score of 90 · extreme county distress. Clark County (88 · very high county distress), Esmeralda County (84 · very high county distress), Mineral County (71 · high county distress) are next. Douglas County is the least distressed at 22 · low county distress. See all 17 counties at /counties/nevada/.
How long can foreclosure take in Nevada?
Nevada mainly uses non-judicial foreclosure, which a lender can carry out without going to court. In Nevada, foreclosures that finished in the second quarter of 2026 took an average of 1,507 days from the start of the foreclosure process to completion, according to ATTOM. Individual cases vary with cure periods, mediation, postponements, court backlogs and bankruptcy filings. Paying to stop the foreclosure: For owner-occupied housing, Nevada allows borrowers to reinstate the loan (cure the default) until 5 days before the trustee's sale by paying all arrears, late fees, trustee fees, and attorney costs — but NOT the full accelerated balance. For other deeds of trust, the statutory cure period is 35 days after the notice of default is recorded and mailed. Homestead exemption: $605,000. Full details at /help/foreclosure/nevada/.
Where does Nevada rank for financial distress?
Nevada scores 100 on the State Distress Index (extreme state distress), which means it is more distressed than every other state. It ranks #1 of 51 jurisdictions, in the most distressed fifth. 4 of 5 NY Fed household debt measures are above the U.S. figure. The State Distress Index domain with the highest score is Debt Burden (housing basis). County Distress Index details are listed separately by county. The safety net ranks #7 (Moderate).
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.
Nevada 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.