Charlotte County, Virginia
Above the national median for child poverty rate — and 10.4× the rate of the healthiest U.S. county (Douglas County, CO — 3%).
Main Findings
Charlotte County, Virginia ranks 727th most distressed in the United States on the County Distress Index. The driver: 32% of children live below the federal poverty line — above the national median of 18%. Its highest-scoring domain is Safety Net & Buffer.
- 727th of 3,144 counties on the County Distress Index — 65.6 · moderate-high county distress, 34th in Virginia.
- 32% of children live below the federal poverty line (U.S. median 18%). Child poverty rate at the 93rd percentile nationally. Source: U.S. Census Bureau, SAIPE (2023).
- Severe rent burden (50%+) at 29% — national median 18%, ranked at the 95th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Credit card delinquency at 7% — national median 5%, ranked at the 76th percentile. Source: Urban Institute Debt in America (2025).
- Bankruptcy filing rate at 212 — national median 126, ranked at the 77th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
Neighbors span three CDI score labels. The 30-point drop to Campbell County marks where the Virginia distress corridor ends.
Charlotte County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. 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, ACS 5-year (2023), Charlotte County's uninsured rate indicator is at the 28th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 84th percentile. The gap stands out against child poverty rate and disability rate. Worth a call to the source agency or a local subject-matter contact in Charlotte Court House.
According to U.S. Census Bureau, SAIPE (2023), 32% of children under 18 in Charlotte 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 Charlotte County's CDI Score
Every number traces to a public source. Charlotte County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | Charlotte | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 68 · Rank 941 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 | 7% | 6% | 5% | 76th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 26% | 25% | 23% | 61st | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 58 · Rank 1,183 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 20% | 22% | 23% | 39th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 212 | 177 | 126 | 77th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 75 · Rank 560 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 22% | 21% | 55th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 29% | 19% | 18% | 95th | 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 77 · Rank 487 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 32% | 18% | 18% | 93rd | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 23% | 15% | 16% | 93rd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 21% | 13% | 14% | 88th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 7% | 8% | 28th | 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 Charlotte County data — in under 60 seconds.
Draft wire copy 136-word AP-style article — use freely with attribution
CHARLOTTE COURT HOUSE, Va. — Charlotte County ranks 727th 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 65.6 out of 100 gives Charlotte a moderate-high county distress label. Among 3,144 U.S. counties scored, 726 counties rank more distressed. Within Virginia, Charlotte ranks 34th of 133 counties and independent cities.
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 Charlotte. 32% of children live below the federal poverty line — above the national median of 18%.
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 Charlotte County's CDI score, and what does it mean?
What drives Charlotte County's distress score?
How does Charlotte County compare to its neighbors?
How is the County Distress Index calculated?
Charlotte County resident looking for help? HUD counselors, legal aid, and attorney referrals →