Financial distress, county by county.
3,144 U.S. counties scored across 21 economic indicators.
How stressed is your county?
641 counties in Serious or Crisis. See all rankings →
County Stories
All 3,144 counties →
"The Green"
Richmond County, GA — the most distressed county in America by CDI. Consumer credit distress at the 99.8th percentile. Home to Fort Eisenhower and Augusta National.
"The Room"
Tunica County, MS scores 88.74 on the County Distress Index — 2nd of 3,144. Four casino closures since 2014 have left the county carrying the debt.
"The Merger"
Bibb County (Macon-Bibb), GA scores 88.57 (Crisis) on the County Distress Index — 3rd of 3,144 U.S. counties. Renter cost burden and debt in collections at the 99th percentile despite a 2014 city-county merger.
"The Line"
Petersburg City scores 88.3 (Crisis) on the County Distress Index — 4th most distressed county in the U.S. Consumer credit distress, 45% debt in collections, 99th percentile student loan delinquency. The 37-point gap with neighboring Chesterfield reveals what Virginia's independent city structure concentrates.
"The Terminal"
Clayton County, GA scores 87.70 (Crisis) on the County Distress Index — 5th of 3,144 U.S. counties. Home to Hartsfield-Jackson Airport and 56,000 airport workers. Three consumer credit indicators at or above the 98th percentile nationally while Structural Poverty ranks 1,555 of 3,144 — middle-class financial collapse in the aftermath of 2008, not chronic poverty.
"The Yield"
Mitchell County, GA scores 87.54 (Crisis) on the County Distress Index — 6th of 3,144 U.S. counties, 4th in Georgia. Top peanut producer with $370M in farm output, 3.6% unemployment, and 42.4% of residents with debt in collections.
"The Drainage"
Pemiscot County scores Crisis on the County Distress Index. Seventh most distressed county in America, first in Missouri. 46% of residents have debt in collections.
"The Passage"
Dougherty County, Georgia ranks 8th of 3,144 on the American Default County Distress Index, with Consumer Credit Distress at the 99th percentile on three indicators.
"The Filing"
Russell County, AL scores 86.68 (Crisis) on the County Distress Index — 9th of 3,144 U.S. counties, 1st in Alabama. 484 bankruptcy filings per 100,000 residents — roughly four times the national median. 45% of residents with a credit file carry debt in collections. Phenix City sits across the Chattahoochee River from Columbus, Georgia, where most of the county's working population commutes.
"The Note"
Washington County, MS scores 86.3 (Crisis) on the County Distress Index — 10th of 3,144 U.S. counties. 20% auto loan delinquency at the 99th percentile nationally. 36% poverty rate. The county seat, Greenville, was home to Pulitzer-winning editor Hodding Carter II, Civil War historian Shelby Foote, and novelist Walker Percy. Today nearly half its children live in poverty.
"The Shade"
Gadsden County scores Crisis on the County Distress Index — 23rd most distressed in America, 1st in Florida. Only majority-Black county in the state. 41% of residents carry debt in collections.
"The Gin"
Dunklin County, MO scores 79.42 (Serious), 76th of 3,144 U.S. counties. A legacy cotton and soybean economy in the Missouri Bootheel.
"The Rebuilding County"
Wayne County, MO scores 75.34 (Serious), 173rd of 3,144 U.S. counties. Highest Structural Poverty score in Missouri. 29.1% disability rate, 22.4% poverty, every CDI domain Elevated or worse.
"The Runway"
Lenoir County scores Serious on the County Distress Index — 18th most distressed in North Carolina. A Navy aviation facility and 3.5% unemployment exist five miles from the state’s most distressed census tract.
"The Record"
Harlan County scores Serious on the County Distress Index — 12th most distressed in Kentucky, 356th of 3,144 nationally. The most documented poor county in America. 27.3% disability rate. Structural Poverty ranks 3rd of 3,144 counties nationally. See the full five-domain breakdown.
"The Extraction County"
Glades County, Florida scores Serious on the County Distress Index — more distressed than 87% of U.S. counties. The largest employer is a detention center. There is no hospital. See the full five-domain breakdown.
"The Patron"
Duval County scores Serious on the County Distress Index — 452nd of 3,144 U.S. counties. The county that changed American history with 87 votes. 45.8% of income from transfers. Consumer credit distress at the 99th percentile. See the full five-domain breakdown.
"The Arithmetic"
Des Moines County, Iowa scores 62.10 Elevated on the County Distress Index — 2nd in Iowa, 822nd nationally. Burlington made backhoes for 87 years. The factory is closing. See the full breakdown.
"The Irrigation"
Yakima County scores 58.8 on the County Distress Index. Most distressed in Washington. Employment leads the distress while the safety net holds debt at zero.
"The Fallow"
Mendocino County scores Elevated on the County Distress Index — 24th of California’s 58 counties, but its Economic Vitality domain ranks 9 of 3,144 nationally. Cannabis, wine, and timber are all in decline.
"The Bypass"
Quay County, New Mexico scores Elevated on the County Distress Index — more distressed than 56% of U.S. counties. A town named for waiting, still waiting. See the full five-domain breakdown.
"The Seat"
DC scores Elevated on the County Distress Index and leads the nation in FHA serious delinquency at 8.34%. Housing Cost Burden at 78.8 sits 25 points above the composite. See the full five-domain breakdown.
"The Residual"
Lincoln County, Montana scores 42.81 Normal on the County Distress Index, 15th in Montana, masking Structural Poverty at 82.72. A vermiculite mine left a multi-decade asbestos health legacy; the clinic that tracked cases has closed.
"The Foundry"
Wallowa County scores Healthy on the County Distress Index. 95th percentile unemployment, 7th percentile debt. Home of the WWII Memorial’s bronze.
"The Filter"
King County, Washington scores Healthy on the County Distress Index — less distressed than 85% of U.S. counties. But Housing Cost Burden ranks in the 87th percentile. See the full five-domain breakdown.
"The Hill"
Los Alamos County scores Healthy on the County Distress Index — the least distressed of 3,144 U.S. counties. A $5.28 billion federal laboratory in a state ranked last for child wellbeing.
Most Distressed Counties
Full rankings → 1
Richmond County, GA Consumer Credit Distress
88.9 2 Tunica County, MS Consumer Credit Distress
88.7 3 Bibb County, GA Consumer Credit Distress
88.6 4 Petersburg city, VA Consumer Credit Distress
88.3 5 Clayton County, GA Consumer Credit Distress
87.7 6 Mitchell County, GA Consumer Credit Distress
87.5 7 Pemiscot County, MO Consumer Credit Distress
87.3 8 Dougherty County, GA Consumer Credit Distress
87.0 9 Russell County, AL Consumer Credit Distress
86.7 10 Washington County, MS Consumer Credit Distress
86.3 Browse by State
All 51 states →Mississippi
70.1 mean score
57 of 82 counties Serious or Crisis
Georgia
68.5 mean score
106 of 159 counties Serious or Crisis
Louisiana
67.9 mean score
40 of 64 counties Serious or Crisis
South Carolina
65.6 mean score
25 of 46 counties Serious or Crisis
Alabama
64.9 mean score
33 of 67 counties Serious or Crisis
Florida
64.7 mean score
35 of 67 counties Serious or Crisis
Arkansas
63.8 mean score
35 of 75 counties Serious or Crisis
Delaware
60.3 mean score
1 of 3 counties Serious or Crisis
Texas
60.1 mean score
91 of 254 counties Serious or Crisis
Oklahoma
59.4 mean score
25 of 77 counties Serious or Crisis
Arizona
59.1 mean score
2 of 15 counties Serious or Crisis
Kentucky
58.9 mean score
33 of 120 counties Serious or Crisis
Tennessee
58.3 mean score
17 of 95 counties Serious or Crisis
North Carolina
58 mean score
31 of 100 counties Serious or Crisis
Nevada
55.7 mean score
3 of 17 counties Serious or Crisis
Latest Analysis
All articles →Research
What If We'd Been Watching Savings Instead of Delinquencies?
How the personal savings rate predicts debt delinquency 9 quarters in advance.
Analysis
Can a Distress Index Predict a Crisis It Never Saw?
The American Distress Index backtested across 84 quarters (2005-2025) correctly identifies the GFC crisis, COVID shock, and recovery periods. Quarter-by-quarter component analysis validates the five-component methodology.
Analysis
AI Displaced 140K Workers in 2025. Nobody Tracked the Defaults.
AI displacement is accelerating, but nobody is tracking what happens when displaced workers miss mortgage and debt payments. The occupations most exposed to AI overlap heavily with FHA borrowers and subprime cardholders.
Analysis
1 in 9 FHA Borrowers Are Behind on Payments
FHA delinquency reached 11.52% in Q4 2025 while conventional mortgages held at 1.78%. This 4x divergence mirrors the subprime-to-prime gap that preceded the 2008 crisis. The American Distress Index tracks it as a leading signal of broader mortgage distress.
Analysis
Household Distress Rose Every Quarter of 2025
A component-by-component breakdown of where household financial distress stands entering 2026: financial conditions tightening, buffer depletion reaccelerating, and a new tariff cost shock not yet in the data.
Analysis
1 in 17 Workers Raided Their 401(k) Last Year
Vanguard's 2026 data shows 401(k) hardship withdrawals hit 6.0%, triple the pre-pandemic rate. Combined with a 3.6% savings rate and rising debt service, this signals a household buffer crisis the ADI has been tracking.
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Free assessment →American Distress Index
64.4 ElevatedThe national composite tracking household financial distress across five dimensions.
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0 – 100 score per county21 indicators across 3,144 counties, weighted by principal component analysis.
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