Manatee County, Florida
Above the national median for rent-to-income ratio — and 2.5× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Manatee County, Florida ranks 1,038th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 30% — above the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis).
- 1,038th of 3,144 counties on the County Distress Index — 60.2 · moderate-high county distress, 55th in Florida.
- A rent-to-income ratio of 30% (U.S. median 21%). Rent-to-income ratio at the 95th percentile nationally. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Unemployment at 5% — national median 4%, ranked at the 80th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Bankruptcy filing rate at 132 — national median 126, ranked at the 52nd percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Uninsured rate at 12% — national median 8%, ranked at the 75th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Neighbors span two CDI score labels. The 24-point drop to Sarasota County marks where the Florida distress corridor ends.
Manatee County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. 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 Manatee County's CDI Score
Every number traces to a public source. Manatee County's value shown alongside FL's median and the U.S. median. Full CSV available for download.
| Indicator | Manatee | FL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 44 · Rank 1,767 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 6% | 5% | 48th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 7% | 5% | 45th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 21% | 29% | 23% | 40th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 47 · Rank 1,661 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 21% | 28% | 23% | 43rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 132 | 138 | 126 | 52nd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 93 · Rank 86 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 30% | 27% | 21% | 95th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 27% | 25% | 18% | 92nd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 80 · Rank 610 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 5% | 4% | 80th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 36 · Rank 2,146 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 13% | 19% | 18% | 25th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 15% | 17% | 16% | 41st | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 10% | 14% | 14% | 24th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 12% | 12% | 8% | 75th | 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 Manatee County data — in under 60 seconds.
Draft wire copy 127-word AP-style article — use freely with attribution
BRADENTON, Fla. — Manatee County ranks 1,038th 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 60.2 out of 100 gives Manatee a moderate-high county distress label. Among 3,144 U.S. counties scored, 1,037 counties rank more distressed. Within Florida, Manatee ranks 55th of 67 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 Manatee. A rent-to-income ratio of 30% — above the national median of 21%.
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
What is Manatee County's CDI score, and what does it mean?
What drives Manatee County's distress score?
How does Manatee County compare to its neighbors?
How is the County Distress Index calculated?
Manatee County resident looking for help? HUD counselors, legal aid, and attorney referrals →