Davidson County, North Carolina

County Distress Index: Normal · 49.0 | 174,804 people · 76th most distressed in North Carolina
American Default Research

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Davidson County, NC falls within the normal range for household financial distress at 49.0 — 1672nd nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within North Carolina, it ranks 76th of 100 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Davidson County's primary driver is Debt & Delinquency at 62.6 — above the national median.

Debt & Delinquency Primary driver 62.6
Debt in Collections 65
Medical Debt 48
Student Loan Delinquency 82
Auto Loan Delinquency 63
Credit Card Delinquency 84
Bankruptcy Filing Rate 34
Community Vulnerability 56.8
Uninsured Rate 67
Disability Rate 46
Income & Poverty 52.3
Poverty Rate 54
Income vs. State Median 37
Child Poverty Rate 66
Housing Cost Burden 40.0
Rent-Burdened (30%+) 54
Severely Rent-Burdened (50%+) 46
Mortgage-Burdened (30%+) 24
Homeownership Rate 55
Rent-to-Income Ratio 20
Employment & Wages 33.1
Unemployment Rate 38
Wage-to-Rent Ratio 14
Business Formation Rate 48

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Davidson County
Davidson County, NC 49.0 Normal —
Randolph County, NC 61.0 Elevated +12.1
Montgomery County, NC 54.3 Elevated +5.3
Rowan County, NC 54.2 Elevated +5.2
Guilford County, NC 54.2 Elevated +5.2
Forsyth County, NC 53.0 Elevated +4.0
Stanly County, NC 44.3 Normal -4.7
Davie County, NC 40.1 Normal -8.9

Population Peers

County Score Zone vs. Davidson County
Gordon County, GA 49.0 Normal +0.0
St. Joseph County, MI 49.0 Normal -0.0
Mesa County, CO 49.1 Normal +0.1
Livingston Parish, LA 48.8 Normal -0.2
Washington County, NY 48.8 Normal -0.2

Download Data

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

Find Help in Davidson County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Davidson County.

CCCS OF GREATER GREENSBORO
LEXINGTON
336-373-8882 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingHomeless/Displacement
Home Solutions
Lexington
336-236-1675
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in North Carolina →

Find an Attorney

North Carolina State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

North Carolina State Bar Lawyer Referral Service 1-800-662-7407

Free Legal Aid

Legal aid organizations serving Davidson County residents at no cost.

Legal Aid of North Carolina 1-866-219-5262
Charlotte Center for Legal Advocacy 704-376-1600
NC Equal Access to Justice Commission
Duke Law School Community Enterprise Clinic

Self-Help Resources

NC Courts Self-Help Resources — Foreclosure Official NC court system resources for foreclosure proceedings and borrower rights
NCHFA Homeowner Resources Assistance programs, counselor referrals, and HAF information

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in North Carolina →

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Frequently Asked Questions

  • What is the distress score for Davidson County, North Carolina?

    Davidson County has a County Distress Index score of 49.0 out of 100, placing it in the Normal zone. It ranks 1,672nd nationally out of 3,144 counties and 76th in North Carolina out of 100 counties.

  • What drives financial distress in Davidson County?

    The primary driver of distress in Davidson County is Debt & Delinquency, where the county scores 62.6 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Davidson County compare to neighboring counties?

    Davidson County (49.0) can be compared to its 7 neighboring counties: Randolph County, NC (61.0); Montgomery County, NC (54.3); Rowan County, NC (54.2).

  • 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 Davidson County?

    Davidson County, North Carolina has a population of approximately 174,804 (2023 Census estimate), classified as a mid county.