Iredell County, North Carolina

County Distress Index: Normal · 35.8 | 199,710 people · 94th most distressed in North Carolina
American Default Research

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Iredell County, NC falls within the normal range for household financial distress at 35.8 — 2605th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within North Carolina, it ranks 94th of 100 counties. It scores lower than all 9 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Iredell County's primary driver is Housing Cost Burden at 49.8 — above the national median.

Housing Cost Burden Primary driver 49.8
Rent-Burdened (30%+) 50
Severely Rent-Burdened (50%+) 43
Mortgage-Burdened (30%+) 63
Homeownership Rate 64
Rent-to-Income Ratio 29
Debt & Delinquency 48.7
Debt in Collections 48
Medical Debt 36
Student Loan Delinquency 51
Auto Loan Delinquency 58
Credit Card Delinquency 64
Bankruptcy Filing Rate 36
Community Vulnerability 37.7
Uninsured Rate 61
Disability Rate 14
Employment & Wages 29.4
Unemployment Rate 27
Wage-to-Rent Ratio 54
Business Formation Rate 8
Income & Poverty 13.1
Poverty Rate 14
Income vs. State Median 7
Child Poverty Rate 18

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

Neighbors and Peers

How Iredell County compares to its 9 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Iredell County
Iredell County, NC 35.8 Normal —
Wilkes County, NC 58.4 Elevated +22.6
Rowan County, NC 54.2 Elevated +18.5
Yadkin County, NC 52.3 Elevated +16.5
Alexander County, NC 48.2 Normal +12.4
Catawba County, NC 45.0 Normal +9.2
Mecklenburg County, NC 44.0 Normal +8.2
Cabarrus County, NC 41.4 Normal +5.7
Davie County, NC 40.1 Normal +4.4
Lincoln County, NC 36.9 Normal +1.2

Population Peers

County Score Zone vs. Iredell County
York County, ME 35.7 Normal -0.0
Ward County, ND 35.8 Normal +0.0
Grundy County, IL 35.8 Normal +0.0
Jefferson County, MO 35.7 Normal -0.0
Putnam County, WV 35.6 Normal -0.1

Download Data

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

Find Help in Iredell County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Iredell County.

COMMUNITY FOUNDATIONS
Mooresville
704-799-7641 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingFair Housing
THE SAFEGUARD GROUP - HOUSING & DEBT ADVISORS
Mooresville
800-673-6993-146 Website
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 Iredell 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 Iredell County, North Carolina?

    Iredell County has a County Distress Index score of 35.8 out of 100, placing it in the Normal zone. It ranks 2,605th nationally out of 3,144 counties and 94th in North Carolina out of 100 counties.

  • What drives financial distress in Iredell County?

    The primary driver of distress in Iredell County is Housing Cost Burden, where the county scores 49.8 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Iredell County compare to neighboring counties?

    Iredell County (35.8) can be compared to its 9 neighboring counties: Wilkes County, NC (58.4); Rowan County, NC (54.2); Yadkin County, NC (52.3).

  • 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 Iredell County?

    Iredell County, North Carolina has a population of approximately 199,710 (2023 Census estimate), classified as a mid county.