Cambria County, Pennsylvania
Above the national median for unemployment — and 4.3× the rate of the healthiest U.S. county (Loving County, TX — 1%).
Main Findings
Cambria County, Pennsylvania ranks 1,312th most distressed in the United States on the County Distress Index. The driver: 4% of the labor force is unemployed — above the national median of 4%. Its highest-scoring domain is Labor.
- 1,312th of 3,144 counties on the County Distress Index — 55.1 · moderate county distress, 14th in Pennsylvania.
- 4% of the labor force is unemployed (U.S. median 4%). Unemployment at the 70th percentile nationally. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Severe rent burden (50%+) at 20% — national median 18%, ranked at the 67th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Bankruptcy filing rate at 146 — national median 126, ranked at the 59th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Disability rate at 18% — national median 16%, ranked at the 69th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Cambria 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 Labor.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Cambria County's uninsured rate indicator is at the 5th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 47th percentile. The gap stands out against the other credit indicators. Worth a call to the source agency or a local subject-matter contact in Ebensburg.
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 Cambria County's CDI Score
Every number traces to a public source. Cambria County's value shown alongside PA's median and the U.S. median. Full CSV available for download.
| Indicator | Cambria | PA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 41 · Rank 1,900 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 4% | 5% | 36th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 5% | 5% | 49th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 21% | 20% | 23% | 38th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 52 · Rank 1,452 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 22% | 20% | 23% | 45th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 146 | 98 | 126 | 59th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 64 · Rank 950 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 21% | 21% | 61st | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 20% | 18% | 18% | 67th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 70 · Rank 902 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 70th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 48 · Rank 1,634 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 17% | 18% | 49th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 18% | 16% | 16% | 69th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 13% | 14% | 47th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 6% | 8% | 5th | 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 Cambria County data — in under 60 seconds.
Draft wire copy 126-word AP-style article — use freely with attribution
EBENSBURG, Pa. — Cambria County ranks 1,312th 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 55.1 out of 100 gives Cambria a moderate county distress label. Among 3,144 U.S. counties scored, 1,311 counties rank more distressed. Within Pennsylvania, Cambria ranks 14th of 67 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 labor as the primary driver in Cambria. 4% of the labor force is unemployed — above the national median of 4%.
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 Cambria County's CDI score, and what does it mean?
What drives Cambria County's distress score?
How does Cambria County compare to its neighbors?
How is the County Distress Index calculated?
Cambria County resident looking for help? HUD counselors, legal aid, and attorney referrals →