Stillwater County, Montana

County Distress Index: Healthy · 21.9 | 9,173 people · 56th most distressed in Montana
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Stillwater County, MT ranks among the least distressed counties in the country at 21.9 — 3091st nationally out of 3144 counties. The primary driver is Community Vulnerability, where health coverage and disability rates are better than the national average. Within Montana, it ranks 56th of 56 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Stillwater County's primary driver is Community Vulnerability at 37.8 — above the national median.

Community Vulnerability Primary driver 37.8
Uninsured Rate 13
Disability Rate 62
Housing Cost Burden 28.1
Rent-Burdened (30%+) 16
Severely Rent-Burdened (50%+) 12
Mortgage-Burdened (30%+) 73
Homeownership Rate 16
Rent-to-Income Ratio 24
Employment & Wages 18.2
Unemployment Rate 34
Wage-to-Rent Ratio 9
Business Formation Rate 12
Debt & Delinquency 17.8
Debt in Collections 10
Medical Debt 47
Student Loan Delinquency 19
Auto Loan Delinquency 5
Credit Card Delinquency 8
Bankruptcy Filing Rate 17
Income & Poverty 7.7
Poverty Rate 9
Income vs. State Median 8
Child Poverty Rate 7

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Stillwater County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Stillwater County
Stillwater County, MT 21.9 Healthy —
Golden Valley County, MT 55.5 Elevated +33.6
Park County, MT 41.5 Normal +19.6
Yellowstone County, MT 41.1 Normal +19.2
Carbon County, MT 38.3 Normal +16.4
Sweet Grass County, MT 27.9 Healthy +6.0

Population Peers

County Score Zone vs. Stillwater County
Sac County, IA 21.8 Healthy -0.1
Oliver County, ND 21.7 Healthy -0.2
Pembina County, ND 21.6 Healthy -0.3
Kittson County, MN 22.2 Healthy +0.3
Hutchinson County, SD 22.3 Healthy +0.4

Download Data

Export all distress indicators for Stillwater County as a CSV file.

Find Help in Stillwater County

Find an Attorney

State Bar of Montana Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Montana Lawyer Referral Service 406-442-7660

Free Legal Aid

Legal aid organizations serving Stillwater County residents at no cost.

Montana Legal Services Association (MLSA) 1-800-666-6899

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Montana →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Stillwater County, Montana?

    Stillwater County has a County Distress Index score of 21.9 out of 100, placing it in the Healthy zone. It ranks 3,091st nationally out of 3,144 counties and 56th in Montana out of 56 counties.

  • What drives financial distress in Stillwater County?

    The primary driver of distress in Stillwater County is Community Vulnerability, where the county scores 37.8 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Stillwater County compare to neighboring counties?

    Stillwater County (21.9) can be compared to its 5 neighboring counties: Golden Valley County, MT (55.5); Park County, MT (41.5); Yellowstone County, MT (41.1).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Stillwater County?

    Stillwater County, Montana has a population of approximately 9,173 (2023 Census estimate), classified as a tiny county.