Fall River County, South Dakota
Above the national median for severe rent burden (50%+).
Main Findings
Fall River County, South Dakota ranks 1,777th most distressed in the United States on the County Distress Index. The driver: 34% of renter households pay 50%+ of income on rent — above the national median of 18%. Its highest-scoring domain is Debt Burden (housing basis).
- 1,777th of 3,144 counties on the County Distress Index — 46.8 · moderate-low county distress, 4th in South Dakota.
- 34% of renter households pay 50%+ of income on rent (U.S. median 18%). Severe rent burden (50%+) at the 95th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2023).
- Disability rate at 23% — national median 16%, ranked at the 92nd percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Auto loan delinquency at 10% — national median 5%, ranked at the 93rd percentile. Source: Urban Institute Debt in America (2025).
- Default & Legal domain score 20 — weight 20.0% of the CDI composite. Source: American Default Research.
Unemployment is 2%, near the national median of 4%, while auto loan delinquency runs at the 93rd percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 52-point drop to Custer County marks where the Black Hills SD distress corridor ends.
Fall River County has a moderate-low county distress score. The state rank and domain mix give the county-level context.
The CDI gives this county a moderate-low county distress label. The state rank and highest-scoring local domain add context that the composite alone cannot carry. Its highest-scoring domain is Debt Burden (housing basis).
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Fall River County's CDI Score
Every number traces to a public source. Fall River County's value shown alongside SD's median and the U.S. median. Full CSV available for download.
| Indicator | Fall River | SD median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 51 · Rank 1,519 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 3% | 5% | 93rd | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 4% | 5% | 42nd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 16% | 16% | 23% | 18th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 20 · Rank 2,780 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 17% | 13% | 23% | 29th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 54 | 57 | 126 | 11th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 83 · Rank 320 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 24% | 17% | 21% | 70th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 34% | 12% | 18% | 95th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 9 · Rank 2,846 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 2% | 2% | 4% | 9th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 72 · Rank 733 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 20% | 13% | 18% | 61st | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 23% | 12% | 16% | 92nd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 11% | 14% | 55th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 15% | 8% | 8% | 88th | U.S. Census Bureau, ACS 5-year (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), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Fall River County data — in under 60 seconds.
Draft wire copy 138-word AP-style article — use freely with attribution
HOT SPRINGS, S.D. — Fall River County ranks 1,777th 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 46.8 out of 100 gives Fall River a moderate-low county distress label. Among 3,144 U.S. counties scored, 1,776 counties rank more distressed. Within South Dakota, Fall River ranks fourth of 66 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Fall River. 34% of renter households pay 50%+ of income on rent — above the national median of 18%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
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How is the County Distress Index calculated?
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