Cerro Gordo County, Iowa
Below the national median of residents with debt in collections — and 9.8× the rate of the healthiest U.S. county (Logan County, ND — 2%).
Main Findings
Cerro Gordo County, Iowa ranks 2,814th most distressed in the United States on the County Distress Index. Cerro Gordo sits near the national median across major distress indicators. Its highest-scoring domain is Default & Legal.
- 2,814th of 3,144 counties on the County Distress Index — 24.9 · low county distress, 50th in Iowa.
- 19% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 34th percentile nationally. Source: Urban Institute Debt in America (2025).
- Safety Net & Buffer domain score 29 — weight 20.0% of the CDI composite. Source: American Default Research.
- Delinquency domain score 25 — weight 20.0% of the CDI composite. Source: American Default Research.
- Debt Burden (housing basis) domain score 24 — weight 20.0% of the CDI composite. Source: American Default Research.
Cerro Gordo County has a low county distress score. The CDI reading is a county comparison, separate from national ADI bands.
The CDI gives this county a low county distress label. The score is a county comparison, separate from national ADI bands. Its highest-scoring domain is Default & Legal.
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 Cerro Gordo County's CDI Score
Every number traces to a public source. Cerro Gordo County's value shown alongside IA's median and the U.S. median. Full CSV available for download.
| Indicator | Cerro Gordo | IA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 25 · Rank 2,420 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 3% | 3% | 5% | 20th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 4% | 5% | 26th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 19% | 17% | 23% | 30th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 31 · Rank 2,371 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 19% | 17% | 23% | 34th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 82 | 101 | 126 | 27th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 24 · Rank 2,630 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 18% | 17% | 21% | 20th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 17% | 18% | 28th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 16 · Rank 2,606 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 16th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 29 · Rank 2,429 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 13% | 14% | 18% | 25th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 14% | 14% | 16% | 36th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 11% | 10% | 14% | 26th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 5% | 8% | 6th | 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 Cerro Gordo County data — in under 60 seconds.
Draft wire copy 129-word AP-style article — use freely with attribution
MASON CITY, Iowa — Cerro Gordo County ranks 2,814th 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 24.9 out of 100 gives Cerro Gordo a low county distress label. Among 3,144 U.S. counties scored, 2,813 counties rank more distressed. Within Iowa, Cerro Gordo ranks 50th of 99 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, finds Cerro Gordo sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
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
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