Montgomery County, Missouri

County Distress Index: Normal · 47.7 | 11,459 people · 64th most distressed in Missouri
American Default Research

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Montgomery County, MO falls within the normal range for household financial distress at 47.7 — 1773rd nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Missouri, it ranks 64th of 115 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Montgomery County's primary driver is Community Vulnerability at 67.4 — above the national median.

Community Vulnerability Primary driver 67.4
Uninsured Rate 65
Disability Rate 70
Income & Poverty 53.7
Poverty Rate 59
Income vs. State Median 43
Child Poverty Rate 59
Debt & Delinquency 53.2
Debt in Collections 50
Medical Debt 80
Student Loan Delinquency 59
Auto Loan Delinquency 64
Credit Card Delinquency 18
Bankruptcy Filing Rate 48
Housing Cost Burden 33.4
Rent-Burdened (30%+) 9
Severely Rent-Burdened (50%+) 20
Mortgage-Burdened (30%+) 58
Homeownership Rate 56
Rent-to-Income Ratio 23
Employment & Wages 30.8
Unemployment Rate 19
Wage-to-Rent Ratio 17
Business Formation Rate 56

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

Neighbors and Peers

How Montgomery County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Montgomery County
Montgomery County, MO 47.7 Normal —
Audrain County, MO 57.3 Elevated +9.6
Pike County, MO 49.4 Normal +1.7
Callaway County, MO 41.5 Normal -6.2
Gasconade County, MO 40.1 Normal -7.6
Warren County, MO 38.0 Normal -9.7
Lincoln County, MO 37.9 Normal -9.8
Osage County, MO 19.8 Healthy -27.9

Population Peers

County Score Zone vs. Montgomery County
Pike County, GA 47.7 Normal +0.0
Aitkin County, MN 47.7 Normal -0.0
Dakota County, NE 47.7 Normal -0.0
Roberts County, SD 47.7 Normal -0.0
Jackson County, WI 47.7 Normal +0.1

Download Data

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

Find Help in Montgomery County

Find an Attorney

Missouri Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Missouri Bar — Lawyer Referral Service 573-635-4128

Free Legal Aid

Legal aid organizations serving Montgomery County residents at no cost.

Legal Services of Eastern Missouri 314-534-4200 (St. Louis); 1-800-444-0514 (statewide hotline)
Legal Aid of Western Missouri 816-474-6750 (Kansas City); 1-800-748-2057 (statewide hotline)
Central Missouri Legal Services 573-442-0116
The Legal Aid and Defender Association (LAD) 816-474-6750
Legal Services of Southern Missouri (417) 881-1397
Mid-Missouri Legal Services Corporation (573) 442-0116

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 Montgomery County, Missouri?

    Montgomery County has a County Distress Index score of 47.7 out of 100, placing it in the Normal zone. It ranks 1,773rd nationally out of 3,144 counties and 64th in Missouri out of 115 counties.

  • What drives financial distress in Montgomery County?

    The primary driver of distress in Montgomery County is Community Vulnerability, where the county scores 67.4 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Montgomery County compare to neighboring counties?

    Montgomery County (47.7) can be compared to its 7 neighboring counties: Audrain County, MO (57.3); Pike County, MO (49.4); Callaway County, MO (41.5).

  • 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 Montgomery County?

    Montgomery County, Missouri has a population of approximately 11,459 (2023 Census estimate), classified as a small county.