Dallas County, Arkansas
Above the national median of residents with debt in collections — and 21.8× the rate of the healthiest U.S. county (Logan County, ND — 2%).
Main Findings
Dallas County, Arkansas ranks 209th most distressed in the United States on the County Distress Index. The driver: 42% of residents with a credit file carry debt in collections — above the national median of 23%. Its highest-scoring domain is Default & Legal.
- 209th of 3,144 counties on the County Distress Index — 77.7 · high county distress, 14th in Arkansas.
- 42% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 95th percentile nationally. Source: Urban Institute Debt in America (2025).
- Auto loan delinquency at 13% — national median 5%, ranked at the 95th percentile. Source: Urban Institute Debt in America (2025).
- Disability rate at 32% — national median 16%, ranked at the 95th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Unemployment at 4% — national median 4%, ranked at the 70th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 95th percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 28-point drop to Grant County marks where the Arkansas distress corridor ends.
"Dallas County has a high county distress score. The score label gives the intensity; the rank gives the national position."
"The CDI gives this county a high county distress label. The rank belongs beside the score because the two answer different questions: score intensity and national position. Its highest-scoring domain is Default & Legal."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Dallas County's uninsured rate indicator is at the 14th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 84th percentile. The gap stands out against disability rate and median household income. Worth a call to the source agency or a local subject-matter contact in Fordyce.
According to U.S. Census Bureau, SAIPE (2023), 27% of children under 18 in Dallas County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 Dallas County's CDI Score
Every number traces to a public source. Dallas County's value shown alongside AR's median and the U.S. median. Full CSV available for download.
| Indicator | Dallas | AR median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 89 · Rank 270 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 13% | 7% | 5% | 95th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 11% | 8% | 5% | 95th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 30% | 31% | 23% | 76th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 90 · Rank 151 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 42% | 32% | 23% | 95th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 242 | 214 | 126 | 84th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 67 · Rank 852 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 64th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 21% | 17% | 18% | 69th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 70 · Rank 902 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 70th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 74 · Rank 630 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 27% | 24% | 18% | 84th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 32% | 22% | 16% | 95th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 20% | 18% | 14% | 84th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 5% | 8% | 8% | 14th | 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 Dallas County data — in under 60 seconds.
Draft wire copy 148-word AP-style article — use freely with attribution
FORDYCE, Ark. — Dallas County ranks 209th 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 77.7 out of 100 gives Dallas a high county distress label. Among 3,144 U.S. counties scored, 208 counties rank more distressed. Within Arkansas, Dallas ranks 14th of 75 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 default & legal as the primary driver in Dallas. 42% of residents with a credit file carry debt in collections — above the national median of 23%.
"Dallas County has a high county distress score. The score label gives the intensity; the rank gives the national position," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Dallas County's CDI score, and what does it mean?
What drives Dallas County's distress score?
How does Dallas County compare to its neighbors?
How is the County Distress Index calculated?
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