Pulaski County, Missouri
Above the national median for subprime credit share.
Main Findings
Pulaski County, Missouri ranks 1,939th most distressed in the United States on the County Distress Index. Pulaski sits near the national median across major distress indicators.
- 1,939th of 3,144 counties on the County Distress Index — Second-least distressed fifth, 68th in Missouri.
- 30% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 76th percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 51st percentile.
- Debt in collections at 28% — national median 23%, ranked at the 66th percentile.
- Uninsured rate at 10% — national median 8%, ranked at the 67th percentile.
Neighbors span three CDI distress fifths. The 25-point drop to Maries County marks where the Missouri distress corridor ends.
"Pulaski County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context."
"The CDI places this county in the second-least distressed fifth nationally. The rank still belongs in context with state position and the highest-scoring local domain."
The Indicators Behind Pulaski County's CDI Score
Every number traces to a public source. Pulaski County's value shown alongside MO's median and the U.S. median. Full CSV available for download.
| Indicator | Pulaski | MO median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 56 · Rank 1,354 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 6% | 5% | 37th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 5% | 5% | 55th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 30% | 24% | 23% | 76th | Urban Institute (2024) |
| Default & Legal — domain score 47 · Rank 1,684 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 28% | 24% | 23% | 66th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 84 | 118 | 126 | 27th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 24 · Rank 2,635 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 18% | 20% | 21% | 17th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 16% | 18% | 30th | Census ACS 5-yr (2023) |
| Labor — domain score 51 · Rank 1,517 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 3% | 4% | 51st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 43 · Rank 1,838 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 12% | 19% | 18% | 18th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 17% | 16% | 64th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 11% | 14% | 14% | 32nd | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 24% | 30% | 27% | 38th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 11% | 8% | 67th | Census ACS 5-yr (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), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Pulaski County data — in under 60 seconds.
Draft wire copy 141-word AP-style article — use freely with attribution
WAYNESVILLE, Mo. — Pulaski County ranks 1,939th 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 44 out of 100 places Pulaski in the second-least distressed fifth. Among 3,144 U.S. counties scored, 1,938 counties rank more distressed. Within Missouri, Pulaski ranks 68th of 115 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, finds Pulaski sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"Pulaski County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Pulaski County's CDI score, and what does it mean?
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How is the County Distress Index calculated?
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