Financial distress, county by county.
3,144 U.S. counties scored through the County Distress Index.
How stressed is your county?
473 counties score high, very high, or extreme for county distress. See all rankings →
County Stories
All 3,144 counties →
"The Line"
Petersburg City scores 92.8 · extreme county distress — 2nd most distressed county in the U.S., 1st in Virginia. 45% debt in collections, a Default & Legal domain ranked 3rd in the nation. The 47-point gap with neighboring Chesterfield reveals what Virginia's independent city structure concentrates.
"The Note"
Washington County, MS scores 92.0 · extreme county distress — 5th of 3,144 U.S. counties, 3rd in Mississippi. 20% auto loan delinquency at the 99th percentile nationally, the Delinquency domain ranked 3rd in the nation. 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 Drainage"
Pemiscot County reads 90.4 · extreme county distress. Twelfth most distressed in America, first in Missouri. 46% of residents have debt in collections.
"The Room"
Tunica County, MS scores 90.4 · extreme county distress — 10th of 3,144, 5th in Mississippi. Four casino closures since 2014 have left the county carrying the debt, with its Delinquency, Debt Burden, and Default & Legal domains all pressed against the ceiling.
"The Passage"
Dougherty County, Georgia ranks 14th of 3,144 on the County Distress Index, 2nd in Georgia, with three credit indicators at the 99th percentile.
"The Shade"
Gadsden County reads 90.1 · extreme county distress — 15th most distressed in America, 1st in Florida. Only majority-Black county in the state. 41% of residents carry debt in collections.
"The Merger"
Bibb County (Macon-Bibb), GA scores 86.1 · very high county distress — 32nd of 3,144, 3rd in Georgia. Renter cost burden at the 98th percentile and debt in collections at the 99th despite a 2014 city-county merger.
"The Green"
Richmond County, GA scores 85.6 · very high county distress — 4th of 159 in Georgia. Debt in collections at the 98th percentile, auto loan delinquency at the 98th. Home to Fort Eisenhower and Augusta National, one county line from $95,592 median income.
"The Record"
Harlan County, KY scores 84.4 · very high county distress — 57th of 3,144, 7th in Kentucky. The most documented poor county in America. 27.3% disability rate at the 98th percentile, poverty and transfer-income at the 98th and 99th. See the full five-domain breakdown.
"The Gin"
Dunklin County, MO scores 82.3 · very high county distress, 91st of 3,144 U.S. counties, 3rd in Missouri. A legacy cotton and soybean economy in the Missouri Bootheel.
"The Rebuilding County"
Wayne County, MO scores 81.7 · very high county distress — 100th of 3,144, 4th in Missouri. Its Safety Net & Buffer domain ranks 58th in the nation, with disability, transfer-income, and income all at the 95th percentile. 29.1% disability rate, 22.4% poverty, every domain distressed at once.
"The Yield"
Mitchell County, GA scores 81.4 · very high county distress — 106th of 3,144, 11th in Georgia. Top peanut producer with $370M in farm output and 3.6% unemployment, yet its Default & Legal domain ranks 12th in the nation. Full employment, crisis-level debt.
"The Filing"
Russell County, AL scores 77.3 · high county distress — 204th of 3,144, 9th in Alabama — and its Default & Legal domain ranks 4th in the nation. 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 Extraction County"
Glades County, Florida scores 73.7 · high county distress — more distressed than 90% of U.S. counties, 314th of 3,144. The largest employer is a detention center. There is no hospital. See the full five-domain breakdown.
"The Patron"
Duval County, TX reads 72.5 · high county distress — 360th of 3,144, 30th in Texas. The county that changed American history with 87 votes. 45.8% of income from transfers, a Safety Net & Buffer domain ranked 3rd in the nation. See the full five-domain breakdown.
"The Runway"
Lenoir County reads 68.3 · moderate-high county distress — 22nd 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 Irrigation"
Yakima County scores 68.2 · moderate-high county distress. Most distressed in Washington. Its Labor domain leads at 96.33 while the safety net holds debt near zero.
"The Bypass"
Quay County, New Mexico reads 63.4 · moderate-high county distress — more distressed than 74% of them, 16th in New Mexico. A town named for waiting, still waiting. See the full five-domain breakdown.
"The Seat"
DC reads 60.9 · moderate-high county distress and leads the nation in FHA serious delinquency at 8.34%. Its Debt Burden domain at 76.42 sits 16 points above the composite. See the full five-domain breakdown.
"The Residual"
Lincoln County, Montana scores 55.6 · moderate county distress, 7th in Montana — masking a Labor domain at 95.83 and a Safety Net & Buffer domain at 75.34 against a Delinquency domain near the floor at 10.67. A vermiculite mine left a multi-decade asbestos health legacy; the clinic that tracked cases has closed.
"The Arithmetic"
Des Moines County, Iowa scores 53.0 · moderate county distress, 2nd in Iowa, 1,441st nationally. Burlington made backhoes for 87 years. The factory is closing. See the full breakdown.
"The Foundry"
Wallowa County, OR scores 49.1 · moderate-low county distress — 1,652nd of 3,144, 29th of 36 in Oregon. Unemployment at the 95th percentile, debt in collections at the 7th. A county that learned not to borrow. Home of the WWII Memorial’s bronze.
"The Filter"
King County, Washington reads 40.2 · moderate-low county distress — less distressed than 69% of them, 35th of 39 in Washington. But its Debt Burden domain scores 74.52. See the full five-domain breakdown.
"The Hill"
Los Alamos County scores 5.6 · exceptionally low county distress — the single least distressed of 3,144 U.S. counties, last of 33 in New Mexico. A $5.28 billion federal laboratory in a state ranked last for child wellbeing.
Most Distressed Counties
Full rankings → 1
Holmes County, MS Default & Legal
93.1 2 Petersburg city, VA Default & Legal
92.8 3 Coahoma County, MS Delinquency
92.7 4 East Carroll Parish, LA Labor
92.0 5 Washington County, MS Delinquency
92.0 6 Leflore County, MS Delinquency
91.9 7 Phillips County, AR Delinquency
91.2 8 Williamsburg County, SC Delinquency
90.7 9 Hancock County, GA Debt Burden (housing basis)
90.4 10 Morehouse Parish, LA Default & Legal
90.4 Browse by State
All 51 states →Louisiana
71.8 mean score
41 of 64 counties score high, very high, or extreme
Mississippi
69.9 mean score
40 of 82 counties score high, very high, or extreme
Florida
69.2 mean score
38 of 67 counties score high, very high, or extreme
South Carolina
66.5 mean score
21 of 46 counties score high, very high, or extreme
Arkansas
65.5 mean score
28 of 75 counties score high, very high, or extreme
Kentucky
64.7 mean score
37 of 120 counties score high, very high, or extreme
Arizona
64.4 mean score
5 of 15 counties score high, very high, or extreme
Georgia
63.3 mean score
49 of 159 counties score high, very high, or extreme
Delaware
63 mean score
1 of 3 counties score high, very high, or extreme
New Mexico
61.9 mean score
8 of 33 counties score high, very high, or extreme
Alabama
61.3 mean score
19 of 67 counties score high, very high, or extreme
District of Columbia
60.9 mean score
0 of 1 counties score high, very high, or extreme
Oklahoma
59.8 mean score
17 of 77 counties score high, very high, or extreme
West Virginia
58.8 mean score
8 of 55 counties score high, very high, or extreme
Tennessee
58 mean score
10 of 95 counties score high, very high, or extreme
Latest Analysis
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A revised AI displacement analysis note that keeps AWI zones separate from family-method ADI facts.
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The FHA Signal Thesis, Reframed
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Household Distress Through the Family Lens
A revised quarterly ADI update note aligned to family-v1 domains and canonical facts.
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Retirement Cannibalization and Household Buffers
A revised retirement-withdrawal analysis note aligned to family-method ADI language.
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Savings and Defaults Moved on Different Clocks
A family-methodology update to the savings and delinquency lag research, with family-v1 ADI wording bound through canonical facts.
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Free assessment →American Distress Index
43.7 TypicalOn average, its inputs sit higher than in 44% of their own quarterly histories.
The national composite tracking household financial distress across five dimensions.
Explore the ADI →County Distress Index
0 – 100 score per countyCounty ranks and score labels built from five equal-weighted distress domains.
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