Calvert County, Maryland

County Distress Index: Healthy · 32.6 | 94,728 people · 20th most distressed in Maryland
American Default Research

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Calvert County, MD ranks among the least distressed counties in the country at 32.6 — 2776th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Maryland, it ranks 20th of 24 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Calvert County's primary driver is Housing Cost Burden at 60.0 — above the national median.

Housing Cost Burden Primary driver 60.0
Rent-Burdened (30%+) 83
Severely Rent-Burdened (50%+) 82
Mortgage-Burdened (30%+) 93
Homeownership Rate 1
Rent-to-Income Ratio 40
Employment & Wages 57.5
Unemployment Rate 23
Wage-to-Rent Ratio 97
Business Formation Rate 53
Debt & Delinquency 39.1
Debt in Collections 24
Medical Debt 36
Student Loan Delinquency 26
Auto Loan Delinquency 35
Credit Card Delinquency 45
Bankruptcy Filing Rate 68
Community Vulnerability 3.8
Uninsured Rate 3
Disability Rate 4
Income & Poverty 2.7
Poverty Rate 0
Income vs. State Median 6
Child Poverty Rate 2

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Calvert County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Calvert County
Calvert County, MD 32.6 Healthy —
Dorchester County, MD 62.7 Elevated +30.1
Prince George's County, MD 58.1 Elevated +25.5
Talbot County, MD 44.0 Normal +11.4
Charles County, MD 42.6 Normal +10.0
St. Mary's County, MD 33.5 Healthy +0.9
Anne Arundel County, MD 31.2 Healthy -1.4

Population Peers

County Score Zone vs. Calvert County
Allegan County, MI 32.6 Healthy 0.0
Windsor County, VT 32.7 Healthy +0.1
Frederick County, VA 32.7 Healthy +0.1
Johnson County, IN 32.7 Healthy +0.1
Chatham County, NC 32.8 Healthy +0.2

Download Data

Export all distress indicators for Calvert County as a CSV file.

Find Help in Calvert County

Find an Attorney

Maryland State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Maryland State Bar Association Lawyer Referral Service 410-685-7878

Free Legal Aid

Legal aid organizations serving Calvert County residents at no cost.

Maryland Legal Aid 410-539-5340
Community Law Center (Baltimore) 410-366-0922
Maryland Volunteer Lawyers Service (MVLS) 410-539-6800
Civil Justice (Baltimore) 410-706-0900

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Calvert County, Maryland?

    Calvert County has a County Distress Index score of 32.6 out of 100, placing it in the Healthy zone. It ranks 2,776th nationally out of 3,144 counties and 20th in Maryland out of 24 counties.

  • What drives financial distress in Calvert County?

    The primary driver of distress in Calvert County is Housing Cost Burden, where the county scores 60.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Calvert County compare to neighboring counties?

    Calvert County (32.6) can be compared to its 6 neighboring counties: Dorchester County, MD (62.7); Prince George's County, MD (58.1); Talbot County, MD (44.0).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of Calvert County?

    Calvert County, Maryland has a population of approximately 94,728 (2023 Census estimate), classified as a mid county.