St. Clair County, Missouri
Above the national median for disability rate — and 7.9× the rate of the healthiest U.S. county (San Juan County, CO — 3%).
Main Findings
St. Clair County, Missouri ranks 1,447th most distressed in the United States on the County Distress Index. The driver: 23% of residents report a disability — above the national median of 16%. Its highest-scoring domain is Safety Net & Buffer.
- 1,447th of 3,144 counties on the County Distress Index — 52.7 · moderate county distress, 44th in Missouri.
- 23% of residents report a disability (U.S. median 16%). Disability rate at the 92nd percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2023).
- Credit card delinquency at 8% — national median 5%, ranked at the 86th percentile. Source: Urban Institute Debt in America (2025).
- Debt in collections at 27% — national median 23%, ranked at the 65th percentile. Source: Urban Institute Debt in America (2025).
- Rent-to-income ratio at 21% — national median 21%, ranked at the 50th percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
Neighbors span four CDI score labels. The 23-point drop to Polk County marks where the Missouri distress corridor ends.
St. Clair County has a moderate county distress score. The county sits near the middle of the CDI score scale, so the domain mix carries the story.
The CDI gives this county a moderate county distress label. The domain mix matters because the same composite score can come from very different local conditions. Its highest-scoring domain is Safety Net & Buffer.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, SAIPE (2023), 28% of children under 18 in St. Clair County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 St. Clair County's CDI Score
Every number traces to a public source. St. Clair County's value shown alongside MO's median and the U.S. median. Full CSV available for download.
| Indicator | St. Clair | MO median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 63 · Rank 1,105 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 6% | 5% | 67th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 5% | 5% | 86th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 21% | 24% | 23% | 37th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 37 · Rank 2,114 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 27% | 24% | 23% | 65th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 51 | 118 | 126 | 10th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 33 · Rank 2,322 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 21% | 20% | 21% | 50th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 11% | 16% | 18% | 15th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 46 · Rank 1,645 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 46th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 84 · Rank 216 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 28% | 19% | 18% | 86th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 23% | 17% | 16% | 92nd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 18% | 14% | 14% | 79th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 13% | 11% | 8% | 80th | 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 St. Clair County data — in under 60 seconds.
Draft wire copy 132-word AP-style article — use freely with attribution
OSCEOLA, Mo. — St. Clair County ranks 1,447th 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 52.7 out of 100 gives St. Clair a moderate county distress label. Among 3,144 U.S. counties scored, 1,446 counties rank more distressed. Within Missouri, St. Clair ranks 44th of 115 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 safety net & buffer as the primary driver in St. Clair. 23% of residents report a disability — above the national median of 16%.
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 St. Clair County's CDI score, and what does it mean?
What drives St. Clair County's distress score?
How does St. Clair County compare to its neighbors?
How is the County Distress Index calculated?
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