Wyoming Financial Distress Profile
Composite distress data for 23 counties, updated quarterly from federal sources. Household debt, delinquency, foreclosure law, and county-level distress scores compared to national averages.
· Data from NY Fed, CFPB, BLS, US Courts, Q4 2025
Behind on your mortgage in Wyoming? See your options under Wyoming law →
Wyoming ranks #44 nationally for household financial distress. The national State Distress Index average is 50.0.
How Does Wyoming Compare to the National Average?
Wyoming is above the national average on 0 of 5 key household distress metrics. Credit card delinquency stands at 10.5% (below the 12.4% national rate), auto loan delinquency at 3.5%, and total debt per capita at $57,120.
Since 2019, credit card delinquency in Wyoming has risen 3.0pp and total household debt has grown 19.8%. Most metrics remain below the national baseline.
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 composite State Distress Index score rose from 15.0 to 22.3 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 43.8 (Typical). On average, its inputs sit higher than in 44% of their own quarterly histories. Wyoming's State Distress Index of 23.5 (low state distress) is computed from 4 equal-weighted domains covering delinquency, default and legal signals, housing-basis debt burden, and labor.
Wyoming vs. National Average
Delinquency rates measure the share of loan accounts 30 or more days past due. Higher rates signal greater household financial stress. Debt and balance figures are per capita, adjusted for state population.
Download all states (CSV)Wyoming vs. National: 5 Key Metrics (Q4 2025)
Source: NY Fed Consumer Credit Panel / Equifax, Q4 2025.
Similar States by Distress Level
States ranked closest to Wyoming (#44) on the State Distress Index. Peer comparison reveals whether distress patterns are regional or structural.
Change Since 2019
Pre-pandemic 2019 values provide a baseline for how distress has evolved. Credit card and auto loan delinquency have risen sharply in most states since pandemic-era forbearance protections expired.
| Metric | 2019 | 2025 | Change | Nat'l 2025 |
|---|---|---|---|---|
| Credit Card Delinquency | 7.5% | 10.5% | +3.0pp | 12.4% |
| Auto Loan Delinquency | 3.7% | 3.5% | -0.2pp | 5.2% |
| Mortgage Delinquency | 0.86% | 0.76% | -0.1pp | 0.94% |
| Total Debt per Capita | $47,670 | $57,120 | +19.8% | $63,200 |
| CC Balance per Capita | $3,130 | $3,990 | +27.5% | $4,350 |
Wyoming Foreclosure Law Summary
Understanding your state's foreclosure process is critical if you fall behind on mortgage payments. Wyoming primarily uses non-judicial foreclosure.
Wyoming has two foreclosure tracks: (1) non-judicial foreclosure by advertisement and sale under Wyo. Stat. § 34-4-104, for deeds of trust with a power of sale clause — the standard and most common path for residential foreclosures; and (2) judicial …
Full Wyoming foreclosure law guide →State-Level Divergence
National averages mask wide variation across states. Wyoming's credit card delinquency of 10.5% falls below the national 12.4%, but other metrics tell a more nuanced story. The state's Distress Index reads 23.5 (low state distress). The Household Debt by State roundup tracks 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 28.2 — below the national county mean of 50.0.
Score Label Distribution
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Most Distressed Counties
| County | Score | Score Label | Top Driver |
|---|---|---|---|
| Niobrara County | 47.5 | moderate-low county distress | Debt Burden (housing basis) |
| Sweetwater County | 42.9 | moderate-low county distress | Default & Legal |
| Fremont County | 42.0 | moderate-low county distress | Delinquency |
| Natrona County | 39.0 | low-moderate county distress | Default & Legal |
| Big Horn County | 38.7 | low-moderate county distress | Safety Net & Buffer |
Niobrara County ranks #1737 most distressed nationally out of 3,144 counties.
Least Distressed Counties
| County | Score | Score Label | Top Domain |
|---|---|---|---|
| Teton County | 13.0 | very low county distress | Delinquency |
| Lincoln County | 13.1 | very low county distress | Safety Net & Buffer |
| Johnson County | 16.4 | very low county distress | Safety Net & Buffer |
| Crook County | 16.5 | very low county distress | Debt Burden (housing basis) |
| Park County | 19.1 | very low county distress | Safety Net & Buffer |
The gap between Wyoming's most and least distressed counties is 34.5 points — Niobrara County (47.5, moderate-low county distress) vs. Teton County (13.0, very low county distress). That spread reveals two very different economic realities within the same state.
Explore all 23 Wyoming counties →CFPB Mortgage Complaints in Wyoming
The Consumer Financial Protection Bureau has received 427 mortgage complaints from Wyoming since 2012 — 73.1 per 100,000 residents, below the national rate of 133.2 per 100K. Wyoming ranks #37 of 51 jurisdictions for complaint density.
| 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 Administrative Office of the U.S. Courts filing rate reports annual cases per resident. It does not identify household causes, motives, assets, income, or case outcomes. Wyoming's filing rate is below the national average.
Source: U.S. Courts, Administrative Office. Table F-2: Cases Commenced by Chapter. Per-capita rates use 2024 Census population estimates.
Credit Distress: Wyoming
The Philadelphia Fed Consumer Credit Explorer tracks credit health metrics from Equifax data. 13.6% of Wyoming residents have debt in collections — below the national rate 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. 2025 Q1.
Economic Context: Wyoming
SNAP enrollment and unemployment rates provide upstream context for household debt distress. Higher food assistance enrollment signals that more families are struggling with basic expenses, while elevated unemployment directly reduces income available for debt service.
Sources: USDA 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 21.9 out of 100 (Minimal), ranking #49 of 51 jurisdictions.
Component Breakdown
Sources: Kaiser Family Foundation (Medicaid, 2024), USDA FNS (SNAP, 2025), U.S. Treasury HAF program status, 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 all states and DC. The national average is 12.4%. This rate has risen from 7.5% in 2019.
How does Wyoming's household debt compare to the national average?
Wyoming residents carry $57,120 in total debt per capita, below the national average of $63,200. Debt per capita has grown 19.8% since 2019. Wyoming ranks #28 nationally for total household debt per capita.
What is the auto loan delinquency rate in Wyoming?
Auto loan delinquency in Wyoming stands at 3.5% as of Q4 2025, below the national rate of 5.2%. This ranks #40 nationally. The rate was 3.7% in 2019.
What type of foreclosure process does Wyoming use?
Wyoming primarily uses non-judicial foreclosure. This allows lenders to foreclose without court proceedings, resulting in a faster process. See our full Wyoming foreclosure law guide for timelines, protections, and legal resources.
Is Wyoming above or below the national average for financial distress?
Wyoming scores 23.5 on the State Distress Index (low state distress), ranking #44 of 51 jurisdictions. That is 26.5 points below the national state average of 50.0. This composite score is built from 4 domains: delinquency, default and legal, debt burden on a housing basis, and labor. Separately, the national American Distress Index reads 43.8 (Typical) for the country over time. On average, its inputs sit higher than in 44% of their own quarterly histories.
How many CFPB mortgage complaints have been filed in Wyoming?
The CFPB has received 427 mortgage complaints from Wyoming since 2012, a rate of 73.1 per 100,000 residents. This ranks #37 of 51 jurisdictions. The national average is 133.2 per 100K. Companies responded to 96.3% of Wyoming complaints within the required timeframe.
What is the bankruptcy filing rate in Wyoming?
Wyoming had 572 bankruptcy filings in the 12-month period ending Dec 2025, a rate of 97.9 per 100,000 residents — below the national rate of 169.1 per 100K. This ranks #38 of 51 jurisdictions. Chapter 7 filings account for 83.4% and Chapter 13 for 14.7%. Filings changed +13.7% year-over-year.
What percentage of people in Wyoming have debt in collections?
13.6% of individuals in Wyoming have debt in collections, below the national rate of 13.9%. This ranks #22 of 51 jurisdictions. Additionally, 12.7% of Wyoming residents have subprime credit scores (below 620), compared to 16.9% nationally. Data from the Philadelphia Fed Consumer Credit Explorer (NY Fed / Equifax).
What is the SNAP enrollment rate in Wyoming?
24,729 residents of Wyoming receive SNAP benefits, an enrollment rate of 4.3% — below the national rate of 10.9%. This ranks #51 of 51 jurisdictions. SNAP participation has changed -10.4% year-over-year. The pre-pandemic rate was 4.4%.
How strong is Wyoming's financial safety net?
Wyoming scores 21.9 out of 100 on the Safety Net Index, ranking #49 of 51 jurisdictions (Minimal). The score combines Medicaid coverage (11.9% enrollment rate, non-expansion state), SNAP enrollment (4.2%), Homeowner Assistance Fund status (winding down), and foreclosure legal protections. The national average is 47.8.
Which Wyoming counties have the highest financial distress?
Niobrara County is the most distressed county in Wyoming with a County Distress Index score of 47.5 · moderate-low county distress, ranking #1737 nationally out of 3,144 counties. Sweetwater County (42.9 · moderate-low county distress), Fremont County (42.0 · moderate-low county distress), Natrona County (39.0 · low-moderate county distress) round out the top distressed counties. Teton County is the least distressed at 13.0 · very low county distress. See all 23 counties at /counties/wyoming/.
How long can foreclosure take in Wyoming?
Wyoming uses non-judicial foreclosure, which allows lenders to foreclose without court proceedings. Timeline varies by county and complexity. Homeowners have a right to cure: You can cure the default and reinstate the loan at any time before the trustee's…. The homestead exemption is $20,000. Full details at /help/foreclosure/wyoming/.
Where does Wyoming rank for financial distress?
Wyoming scores 23.5 on the State Distress Index (low state distress), ranking #44 of 51 jurisdictions. Most metrics fall below national averages. The highest SDI domain is Default & Legal. County Distress Index details are listed separately by county. The safety net ranks #49 (Minimal) — non-Medicaid-expansion state.
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. Updated quarterly.
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 (2025), U.S. Treasury HAF program status, and state foreclosure legal protections.