Montgomery County, North Carolina
Above the national median for auto loan delinquency.
Main Findings
Montgomery County, North Carolina ranks 1,402nd most distressed in the United States on the County Distress Index. The driver: 8% of auto loan accounts are 60+ days past due — above the national median of 5%. Its highest-scoring domain is Delinquency.
- 1,402nd of 3,144 counties on the County Distress Index — 53.4 · moderate county distress, 55th in North Carolina.
- 8% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 84th percentile nationally. Source: Urban Institute Debt in America (2025).
- Uninsured rate at 13% — national median 8%, ranked at the 82nd percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Debt in collections at 28% — national median 23%, ranked at the 69th percentile. Source: Urban Institute Debt in America (2025).
- Default & Legal domain score 41 — weight 20.0% of the CDI composite. Source: American Default Research.
Neighbors span four CDI score labels. The 38-point drop to Moore County marks where the North Carolina distress corridor ends.
Montgomery 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 Delinquency.
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 Montgomery County's CDI Score
Every number traces to a public source. Montgomery County's value shown alongside NC's median and the U.S. median. Full CSV available for download.
| Indicator | Montgomery | NC median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 74 · Rank 715 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 7% | 5% | 84th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 7% | 5% | 64th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 28% | 23% | 73rd | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 41 · Rank 1,943 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 28% | 27% | 23% | 69th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 58 | 87 | 126 | 13th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 31 · Rank 2,390 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 20% | 22% | 21% | 41st | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 12% | 19% | 18% | 20th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 49 · Rank 1,534 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 49th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 72 · Rank 711 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 21% | 21% | 18% | 66th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 19% | 17% | 16% | 73rd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 15% | 14% | 65th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 13% | 10% | 8% | 82nd | 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 Montgomery County data — in under 60 seconds.
Draft wire copy 130-word AP-style article — use freely with attribution
TROY, N.C. — Montgomery County ranks 1,402nd 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 53.4 out of 100 gives Montgomery a moderate county distress label. Among 3,144 U.S. counties scored, 1,401 counties rank more distressed. Within North Carolina, Montgomery ranks 55th of 100 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 delinquency as the primary driver in Montgomery. 8% of auto loan accounts are 60+ days past due — above the national median of 5%.
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 Montgomery County's CDI score, and what does it mean?
What drives Montgomery County's distress score?
How does Montgomery County compare to its neighbors?
How is the County Distress Index calculated?
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