Alcona County, Michigan
More than double the national median for unemployment — and 8.1× the rate of the healthiest U.S. county (Loving County, TX — 1%).
Main Findings
Alcona County, Michigan ranks 1,670th most distressed in the United States on the County Distress Index. The driver: 8% of the labor force is unemployed — more than double the national median of 4%. Its highest-scoring domain is Labor.
- 1,670th of 3,144 counties on the County Distress Index — 48.4 · moderate-low county distress, 51st in Michigan.
- 8% of the labor force is unemployed (U.S. median 4%). Unemployment at the 95th percentile nationally. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Disability rate at 23% — national median 16%, ranked at the 93rd percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Rent-to-income ratio at 22% — national median 21%, ranked at the 58th percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Default & Legal domain score 26 — weight 20.0% of the CDI composite. Source: American Default Research.
Neighbors span two CDI score labels. The 22-point drop to Alpena County marks where the Michigan distress corridor ends.
Alcona County has a moderate-low county distress score. The state rank and domain mix give the county-level context.
The CDI gives this county a moderate-low county distress label. The state rank and highest-scoring local domain add context that the composite alone cannot carry. Its highest-scoring domain is Labor.
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), Alcona County's uninsured rate indicator is at the 7th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 66th percentile. The gap stands out against disability rate. Worth a call to the source agency or a local subject-matter contact in Harrisville.
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 Alcona County's CDI Score
Every number traces to a public source. Alcona County's value shown alongside MI's median and the U.S. median. Full CSV available for download.
| Indicator | Alcona | MI median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 8 · Rank 3,060 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 2% | 4% | 5% | 5th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 3% | 5% | 5% | 9th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 14% | 19% | 23% | 8th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 26 · Rank 2,567 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 15% | 20% | 23% | 18th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 95 | 114 | 126 | 34th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 48 · Rank 1,606 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 21% | 21% | 58th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 16% | 20% | 18% | 39th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 95 · Rank 68 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 8% | 6% | 4% | 95th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 65 · Rank 972 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 18% | 18% | 81st | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 23% | 16% | 16% | 93rd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 14% | 14% | 66th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 6% | 8% | 7th | 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 Alcona County data — in under 60 seconds.
Draft wire copy 128-word AP-style article — use freely with attribution
HARRISVILLE, Mich. — Alcona County ranks 1,670th 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 48.4 out of 100 gives Alcona a moderate-low county distress label. Among 3,144 U.S. counties scored, 1,669 counties rank more distressed. Within Michigan, Alcona ranks 51st of 83 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 labor as the primary driver in Alcona. 8% of the labor force is unemployed — more than double the national median of 4%.
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 Alcona County's CDI score, and what does it mean?
What drives Alcona County's distress score?
How does Alcona County compare to its neighbors?
How is the County Distress Index calculated?
Alcona County resident looking for help? HUD counselors, legal aid, and attorney referrals →