Scotland County, Missouri

County Distress Index: Normal · 41.5 | 4,676 people · 87th most distressed in Missouri
American Default Research

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Scotland County, MO falls within the normal range for household financial distress at 41.5 — 2244th nationally out of 3144 counties. The primary driver is Community Vulnerability, where health coverage gaps and disability rates are moderately elevated. Within Missouri, it ranks 87th of 115 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Scotland County's primary driver is Community Vulnerability at 54.0 — above the national median.

Community Vulnerability Primary driver 54.0
Uninsured Rate 95
Disability Rate 13
Employment & Wages 45.6
Unemployment Rate 27
Wage-to-Rent Ratio 50
Business Formation Rate 60
Income & Poverty 44.1
Poverty Rate 47
Income vs. State Median 45
Child Poverty Rate 40
Debt & Delinquency 34.8
Debt in Collections 24
Medical Debt 55
Student Loan Delinquency 59
Auto Loan Delinquency 60
Credit Card Delinquency 6
Bankruptcy Filing Rate 5
Housing Cost Burden 29.3
Rent-Burdened (30%+) 24
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 50
Homeownership Rate 7
Rent-to-Income Ratio 25

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Scotland County
Scotland County, MO 41.5 Normal —
Clark County, MO 54.1 Elevated +12.6
Schuyler County, MO 53.8 Elevated +12.3
Van Buren County, IA 49.7 Normal +8.2
Knox County, MO 48.8 Normal +7.2
Adair County, MO 46.6 Normal +5.1
Davis County, IA 34.6 Healthy -6.9

Population Peers

County Score Zone vs. Scotland County
Doniphan County, KS 41.6 Normal +0.0
Hayes County, NE 41.5 Normal -0.0
Beaver County, OK 41.6 Normal +0.1
Sherman County, NE 41.6 Normal +0.1
Wayne County, UT 41.6 Normal +0.1

Download Data

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

Find Help in Scotland 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 Scotland 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

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Frequently Asked Questions

  • What is the distress score for Scotland County, Missouri?

    Scotland County has a County Distress Index score of 41.5 out of 100, placing it in the Normal zone. It ranks 2,244th nationally out of 3,144 counties and 87th in Missouri out of 115 counties.

  • What drives financial distress in Scotland County?

    The primary driver of distress in Scotland County is Community Vulnerability, where the county scores 54.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Scotland County compare to neighboring counties?

    Scotland County (41.5) can be compared to its 6 neighboring counties: Clark County, MO (54.1); Schuyler County, MO (53.8); Van Buren County, IA (49.7).

  • 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 Scotland County?

    Scotland County, Missouri has a population of approximately 4,676 (2023 Census estimate), classified as a tiny county.