About one in 11 people with a credit file in Washington County, Nebraska, has unpaid debt sent to a collector
In Washington County, 9.3% of people with a credit file had unpaid debt sent to a collector. That is lower than in 97% of U.S. counties.
Less distressed than 96% of U.S. counties.
What drives Washington County's score
In Washington County, housing costs are the highest-scoring part, at 33.2. Income and the safety net is the lowest part, at 5.6. About one in 18 children (5.5%, 2024) lives below the poverty line, a lower share than in 98% of U.S. counties.
The County Distress Index looks at five parts of household money trouble in Washington County: jobs, late payments on loans, income and the safety net, collections and bankruptcy, and housing costs. Each part is scored from 0 to 100, and a higher score means worse off than other counties.
Washington County isn't among the worst-off quarter of U.S. counties on any measure.
A longer bar means more trouble. See how the county score works.
- 33.2 of 100
Housing costs
Biggest factorRenters, 2020–24 Census survey; HUD's fair market rents, fiscal year 2027
- Renters paying half their income or more in rent17.4% · 2020 to 202445th percentile
- Rent on a two-bedroom as a share of the median income17.9% · fiscal year 202720th percentile
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- 22.9 of 100
Collections and bankruptcy
Credit records, August 2025; bankruptcy filings, 2025
- People with unpaid debt sent to a collector9.3% · August 20252nd percentile
- Bankruptcy filings per 100,000 people113.5 · 202543rd percentile
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- 15.1 of 100
Late payments
Credit records, August 2025; credit scores, second quarter of 2026
- People with a credit card behind3.4% · August 202515th percentile
- People with a car or retail loan behind3.6% · August 202526th percentile
- People with a subprime credit score24.4% · second quarter of 20262nd percentile
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- 9.1 of 100
Jobs
Unemployment through Sep 2026; adults not working, 2020–24 Census survey
- Unemployment rate, average over the latest year2.5% · Oct 2025 to Sep 20265th percentile
- Adults 25 to 54 not working14.2% · 2020 to 202412th percentile
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- 5.6 of 100
Income and safety net
Poverty and income, 2024; disability and insurance, 2020–24 Census survey
- People below the poverty line6.5% · 20242nd percentile
- Children below the poverty line5.5% · 20241st percentile
- People with a disability10.7% · 2020 to 20246th percentile
- People without health insurance4.2% · 2020 to 202410th percentile
- Median household income (lower income, longer bar)$97,167 · 20246th percentile
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Sources: Urban Institute, Debt in America; Equifax via the St. Louis Fed; Administrative Office of the U.S. Courts, Table F-5A; U.S. Census Bureau, American Community Survey; U.S. Department of Housing and Urban Development Fair Market Rents and Census income; U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics; Census Bureau, Small Area Income and Poverty Estimates. County Distress Index by American Default Research, from data through Sep 2026.
Where the money in Washington County comes from
Benefit checks are Social Security, Medicare and Medicaid paid on people's behalf, veterans' benefits, and food and income support, so a high share usually means an older population, low pay, or both. In Washington County, 19.2% of residents are 65 or older (Census Bureau, 2024), against 17.2% nationally that year.
Cents of every dollar of income, 2024
Washington County
Nebraska
United States
- Pay from work
- Investments and rent
- Benefit checks
Benefit checks' share of income in Washington County rose most in two steps: 6.2% in 1969 to 8.1% in 1974; 11.4% in 2004 to 13.3% in 2009.
In Washington County, benefit checks' share of income has more than doubled since 1969, reaching 16.0% in 2024, but pay from work still brings in about four times as much as benefit checks
In Washington County, Nebraska, benefit checks' share of income more than doubled from 1969 to 2024, reaching 16.0%; pay from work is plotted alongside. Every fifth year and 2024 are shown.
- Benefit checks
- Pay from work
The share of households in Washington County getting SNAP food aid had its largest drop, from 7.7% in 2019 to 5.7% in 2020.
The share of households in Washington County getting SNAP food aid was at its highest on the chart in 2017 and has since fallen by about half
Low on the chart: 2.8% in 2009. Households getting SNAP, every year; each bar is a five-year survey estimate ending that year, so neighboring bars share most of their data, Washington County, Nebraska.
How Washington County has changed
Washington County's population nearly doubled to 21,254, the highest on the chart
Biggest rise: 1969 to 1974, reaching 14,454. Residents, yearly estimate, every fifth year and 2024, Washington County, Nebraska.
The jobs count covers work located in the county; the population count covers residents.
The number of jobs located in Washington County doubled to 8,496, the highest on the chart
Biggest rise: 1990 to 1995, reaching 6,101. Yearly average of jobs covered by unemployment insurance, every fifth year and 2025, Washington County, Nebraska.
| Measure | Then | Now |
|---|---|---|
| Unemployment rateBLS LAUS | 1990 2.3% | 2025 2.7% |
| People below the poverty lineCensus SAIPE | 1989 6.6% | 2024 6.5% |
| Median household incomeCensus SAIPE | 1989 $31,626 | 2024 $97,167 |
The table uses 2.7% for 2025; the score uses 2.5% for the latest year (Oct 2025 to Sep 2026), both from the U.S. Bureau of Labor Statistics.
Figures are as each agency published them, not adjusted for prices.
Dated events in Washington County's history
1999
A flash flood in August 1999 did $4 million in property damage. NOAA Storm Events Database
2002
A thunderstorm in October 2002 did $3 million in property damage. NOAA Storm Events Database
2004
Hail in May 2004 did $10 million in property damage. NOAA Storm Events Database
2020
The county's largest recorded population was the 2020 Census count of 20,865, which is also its most recent census. Census Bureau
2025
A thunderstorm in August 2025 did $2.7 million in property damage. NOAA Storm Events Database
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Since 1971
24 federal disaster and emergency declarations have covered Washington County, 15 of them for flooding. FEMA
Washington County beside its neighbors
All five counties that border Washington County, in Nebraska and Iowa, score higher than it does. For the share of income from benefit checks, Washington County ranks 5th of the six; Pottawattamie County is highest, at 27.1%.
| County | Score | Poverty | Benefit checks |
|---|---|---|---|
| Pottawattamie County, IA | 46 | 13.9% | 27.1% |
| Douglas County, NE | 34 | 11.8% | 12.1% |
| Dodge County, NE | 27 | 13.1% | 21.9% |
| Harrison County, IA | 11 | 7.6% | 25.0% |
| Burt County, NE | 9 | 10.0% | 26.9% |
| Washington County, NE | 3 | 6.5% | 16.0% |
Distress score: American Default Research, County Distress Index, data through Sep 2026; each county scored against all 3,144. Poverty rate: Census Bureau, Small Area Income and Poverty Estimates, 2024. Benefit checks: Bureau of Economic Analysis, 2024. Neighbors share a border, from Census county maps.
Is Washington County the poorest county in Nebraska?
No, Washington County's poverty rate was 6.5% in 2024, 90th highest of 93 in Nebraska (U.S. Census Bureau, Small Area Income and Poverty Estimates). By that measure the poorest county in the state is Garden County, at 16.9%. On our distress index, which counts more than poverty, Washington County ranks 82nd of 93 in the state.
If you're behind on your mortgage in Washington County
Housing counselors approved by the U.S. Department of Housing and Urban Development work at nonprofit agencies. The Consumer Financial Protection Bureau describes free foreclosure-avoidance counseling, including help with mortgage-company conversations and available options Source CFPB.
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Legal Aid of Nebraska
Legal aid
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HUD-approved housing counselors
Our help directory lists 1,010 agencies approved for foreclosure counseling, by state.
The score, its 14 measures and their sources, in one file. Free to use with credit to American Default Research.
Download the CSV for Washington County · Every U.S. county (CSV)
Sources and method
- American Default Research · County Distress Index Data through Sep 2026, built from Urban Institute, Debt in America; Equifax via the St. Louis Fed; U.S. Courts, Table F-5A; Census Bureau, American Community Survey; HUD Fair Market Rents and Census income; Bureau of Labor Statistics, Local Area Unemployment Statistics; Census Bureau, Small Area Income and Poverty Estimates. The County Distress Index is American Default Research's own calculation; the Urban Institute does not produce or endorse it. Our methodology
- Urban Institute · Debt in America Breno Braga, Signe-Mary McKernan, Samantha Atherton, and Kassandra Martinchek, "Debt in America," last updated November 20, 2025, https://datacatalog.urban.org/dataset/debt-america-2025. Licensed under ODC-By 1.0.
- Rent on a two-bedroom and household income The rent share compares HUD fair market rent for fiscal year 2027 with Census Bureau median household income for 2024. The page calls this the typical household's income.
- U.S. Bureau of Economic Analysis, Regional Economic Accounts (CAINC4) · income shares Where the money in Washington County comes from, 2024.
- History The agencies named in each row and the linked records above.