Flathead County, Montana
Above the national median for rent-to-income ratio — and 2.3× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Flathead County, Montana ranks 2,442nd most distressed in the United States on the County Distress Index. Flathead sits near the national median across major distress indicators.
- 2,442nd of 3,144 counties on the County Distress Index — Second-least distressed fifth, 25th in Montana.
- A rent-to-income ratio of 27% (U.S. median 21%). Rent-to-income ratio at the 90th percentile nationally.
- Uninsured rate at 9% — national median 8%, ranked at the 59th percentile.
- Safety Net & Buffer domain score 22 — weight 20.0% of the CDI composite.
- Delinquency domain score 18 — weight 20.0% of the CDI composite.
Neighbors span five CDI distress fifths. The 53-point drop to Teton County marks where the Montana distress corridor ends.
"Flathead County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context."
"The CDI places this county in the second-least distressed fifth nationally. The rank still belongs in context with state position and the highest-scoring local domain."
The Indicators Behind Flathead County's CDI Score
Every number traces to a public source. Flathead County's value shown alongside MT's median and the U.S. median. Full CSV available for download.
| Indicator | Flathead | MT median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 18 · Rank 2,699 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 3% | 5% | 11th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 3% | 5% | 26th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 16% | 16% | 23% | 17th | Urban Institute (2024) |
| Default & Legal — domain score 12 · Rank 2,988 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 13% | 15% | 23% | 11th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 57 | 73 | 126 | 13th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 85 · Rank 269 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 27% | 26% | 21% | 90th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 23% | 14% | 18% | 79th | Census ACS 5-yr (2023) |
| Labor — domain score 35 · Rank 2,029 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 35th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 22 · Rank 2,666 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 10% | 17% | 18% | 10th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 16% | 16% | 13th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 10% | 13% | 14% | 20th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 18% | 25% | 27% | 14th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 9% | 8% | 8% | 59th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Flathead County data — in under 60 seconds.
Draft wire copy 141-word AP-style article — use freely with attribution
KALISPELL, Mont. — Flathead County ranks 2,442nd among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 34 out of 100 places Flathead in the second-least distressed fifth. Among 3,144 U.S. counties scored, 2,441 counties rank more distressed. Within Montana, Flathead ranks 25th of 56 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, finds Flathead sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"Flathead County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Flathead County's CDI score, and what does it mean?
What drives Flathead County's distress score?
How does Flathead County compare to its neighbors?
How is the County Distress Index calculated?
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