Wyoming Financial Distress Profile
Household debt and delinquency, bankruptcy filings, unemployment, foreclosure law and county distress scores for Wyoming and its 23 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 Wyoming? See your options under Wyoming law →
Wyoming ranks #45 of 51 jurisdictions on the State Distress Index, in the least distressed fifth: its score of 12 means it is more distressed than 12% of the 50 states and D.C..
How Does Wyoming Compare With the U.S.?
Wyoming is above the U.S. figure on 0 of 5 household debt measures from the Federal Reserve Bank of New York for Q4 2025. Credit card delinquency is 10.5%, 1.9 percentage points below the U.S. 12.4%; total debt per adult with a credit file is $57,120, $6,080 below the U.S. $63,200.
Credit card delinquency in Wyoming is up 3 percentage points from 7.5% in Q4 2019, and total debt per adult with a credit file is 19.8% higher than in Q4 2019.
Key Statistics at a Glance
State Distress Index: Wyoming
Movement since 2006
Since 2006, Wyoming has climbed from the 48th-most distressed jurisdiction to the 46th-most distressed, as of 2025 Q1. Its State Distress Index score rose from 6 to 10 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. Wyoming's State Distress Index of 12 (very low state distress) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, housing-basis debt burden, and labor.
Wyoming 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)Wyoming 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 Wyoming (#45) 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 | 7.5% | 10.5% | +3 percentage points | 12.4% |
| Auto Loan Delinquency | 3.7% | 3.5% | −0.2 percentage points | 5.2% |
| Mortgage Delinquency | 0.86% | 0.76% | −0.1 percentage points | 0.94% |
| Total Debt per Adult With a Credit File | $47,670 | $57,120 | +19.8% | $63,200 |
| Card Balance per Adult With a Credit File | $3,130 | $3,990 | +27.5% | $4,350 |
Wyoming Foreclosure Law Summary
If you fall behind on mortgage payments, the steps and deadlines depend on state law. Wyoming mainly uses non-judicial foreclosure, which a lender can carry out without going to court.
Wyoming has two foreclosure tracks: (1) non-judicial foreclosure by advertisement and sale under Wyo. Stat. § 34-4-104, for mortgages and deeds of trust with a power of sale clause — the standard and most common path for residential foreclosures; and…
- Post-sale redemption: 3 months from the sale date, after either a court foreclosure or a foreclosure by advertisement and sale (the non-judicial route). 12 months when the mortgage covers agricultural real estate, as stated in the mortgage (Wyo. Stat. § 1-18-103). During this time the owner keeps possession of the property (Wyo. Stat. § 1-18-104(e)).
How Wyoming Sits Among the States
Wyoming's credit card delinquency rate is 10.5%, 1.9 percentage points below the U.S. 12.4%, and ranks #32 of 51. 0 of 5 NY Fed household debt measures are above the U.S. figure, and the State Distress Index reads 12 (very low state distress). The Household Debt by State roundup covers all 51 jurisdictions.
Distress by County
The County Distress Index scores every county in Wyoming on a 0-100 scale using five equal-weighted domains: delinquency, default and legal, debt burden, labor, and safety net and buffer. Wyoming's 23 counties average 18.4: on average, Wyoming's counties are more distressed than 18% 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 |
|---|---|---|---|
| Fremont County | 41 | moderate-low county distress | Delinquency |
| Sweetwater County | 39 | low-moderate county distress | Default & Legal |
| Big Horn County | 34 | low-moderate county distress | Safety Net & Buffer |
| Hot Springs County | 33 | low-moderate county distress | Debt Burden (housing basis) |
| Natrona County | 31 | low-moderate county distress | Default & Legal |
Least Distressed Counties
| County | Score | Score Label | Top Domain |
|---|---|---|---|
| Teton County | 0 | exceptionally low county distress | Delinquency |
| Lincoln County | 1 | exceptionally low county distress | Safety Net & Buffer |
| Crook County | 2 | exceptionally low county distress | Safety Net & Buffer |
| Johnson County | 3 | exceptionally low county distress | Debt Burden (housing basis) |
| Weston County | 5 | exceptionally low county distress | Safety Net & Buffer |
The most distressed county in Wyoming is Fremont County (41, moderate-low county distress); the least distressed is Teton County (0, exceptionally low county distress).
Explore all 23 Wyoming counties →CFPB Mortgage Complaints in Wyoming
The Consumer Financial Protection Bureau has received 430 mortgage complaints from Wyoming since 2012, 73.6 per 100,000 residents, 61.4 below the U.S. rate of 135. Wyoming ranks #37 of 51 on complaints per resident.
| Year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Complaints | 18 | 21 | 18 | 27 | 27 | 30 |
Source: CFPB Consumer Complaint Database. Filed a mortgage complaint? Search the complaint database.
Bankruptcy Filings: Wyoming
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. Wyoming's rate of 97.9 is 71.2 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: Wyoming
The Federal Reserve Bank of Philadelphia's Consumer Credit Explorer reports credit health from NY Fed / Equifax credit records. 13.6% of people with a credit file in Wyoming have debt in collections, 0.3 percentage points below the U.S. average of 13.9%. 12.7% have subprime credit scores (below 620), and 34.2% 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: Wyoming
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: Wyoming
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. Wyoming scores 12 out of 100 (Minimal), ranking #50 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 Wyoming?
The credit card delinquency rate in Wyoming is 10.5% as of Q4 2025, ranking #32 among the 51 states and DC, 1.9 percentage points below the U.S. 12.4%. It is up 3 percentage points from 7.5% in Q4 2019.
How does Wyoming's household debt compare with the U.S.?
The NY Fed reports a $57,120 total debt balance per adult with a credit file in Wyoming, $6,080 below the U.S. $63,200 on the same basis. That is 19.8% higher than in Q4 2019. Wyoming ranks #28 on that basis.
What is the auto loan delinquency rate in Wyoming?
Auto loan delinquency in Wyoming is 3.5% as of Q4 2025, 1.7 percentage points below the U.S. 5.2%. This ranks #38 of 51. The rate is down from 3.7% in Q4 2019.
What type of foreclosure process does Wyoming use?
Wyoming mainly uses non-judicial foreclosure, which a lender can carry out without going to court. See our Wyoming foreclosure guide for the timeline, homeowner protections and where to get free help.
What is Wyoming's State Distress Index score?
Wyoming scores 12 on the State Distress Index (very low state distress), which means it is more distressed than 12% of the 50 states and D.C.. It ranks #45 of 51 jurisdictions, in the 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 Wyoming?
The CFPB has received 430 mortgage complaints from Wyoming since 2012, 73.6 per 100,000 residents, 61.4 below the U.S. rate of 135. That ranks #37 of 51. Companies responded to 96% of Wyoming complaints on time.
What is the bankruptcy filing rate in Wyoming?
Wyoming had 572 bankruptcy filings in the 12-month period ending Dec 2025, 97.9 per 100,000 residents, 71.2 below the U.S. rate of 169.1. This ranks #38 of 51. Chapter 7 filings account for 83.4% and Chapter 13 for 14.7%. That is 13.7% more filings than in 2024.
What percentage of people in Wyoming have debt in collections?
13.6% of people with a credit file in Wyoming have debt in collections, 0.3 percentage points below the U.S. average of 13.9%. This ranks #22 of 51. 12.7% have subprime credit scores (below 620), 4.2 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 Wyoming?
25,020 residents of Wyoming received SNAP benefits in June 2026, an enrollment rate of 4.3%, 6.5 percentage points below the U.S. rate of 10.8%. This ranks #50 of 51. That is 7.1% fewer people than in June 2025. The rate is 0.1 percentage points below the October 2019 to February 2020 average.
How strong is Wyoming's financial safety net?
Wyoming scores 12 out of 100 on the Safety Net Index, ranking #50 of 51 (Minimal). The score combines Medicaid coverage (11.9% enrollment rate, non-expansion state), SNAP enrollment (4.3%), and foreclosure legal protections. That is below the state average of 43.6.
Which Wyoming counties have the highest financial distress?
Fremont County is the most distressed county in Wyoming with a County Distress Index score of 41 · moderate-low county distress. Sweetwater County (39 · low-moderate county distress), Big Horn County (34 · low-moderate county distress), Hot Springs County (33 · low-moderate county distress) are next. Teton County is the least distressed at 0 · exceptionally low county distress. See all 23 counties at /counties/wyoming/.
How long can foreclosure take in Wyoming?
Wyoming mainly uses non-judicial foreclosure, which a lender can carry out without going to court. In Wyoming, foreclosures that finished in the second quarter of 2026 took an average of 173 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. Homestead exemption: $100,000. Protects up to $100,000 in value of your primary residence from judgment creditors. Does NOT stop mortgage or deed of trust foreclosure. Full details at /help/foreclosure/wyoming/.
Where does Wyoming rank for financial distress?
Wyoming scores 12 on the State Distress Index (very low state distress), which means it is more distressed than 12% of the 50 states and D.C.. It ranks #45 of 51 jurisdictions, in the least distressed fifth. 0 of 5 NY Fed household debt measures are above the U.S. figure. The State Distress Index domain with the highest score is Default & Legal. County Distress Index details are listed separately by county. The safety net ranks #50 (Minimal), a state that has not expanded Medicaid.
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.
Wyoming 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.