Culpeper County, Virginia

County Distress Index: Normal · 40.8 | 54,973 people · 87th most distressed in Virginia
American Default Research

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Culpeper County, VA falls within the normal range for household financial distress at 40.8 — 2305th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Virginia, it ranks 87th of 133 counties. It scores higher than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Culpeper County's primary driver is Housing Cost Burden at 58.0 — above the national median.

Housing Cost Burden Primary driver 58.0
Rent-Burdened (30%+) 78
Severely Rent-Burdened (50%+) 62
Mortgage-Burdened (30%+) 74
Homeownership Rate 50
Rent-to-Income Ratio 27
Debt & Delinquency 45.0
Debt in Collections 36
Medical Debt 16
Student Loan Delinquency 42
Auto Loan Delinquency 55
Credit Card Delinquency 56
Bankruptcy Filing Rate 66
Employment & Wages 43.8
Unemployment Rate 23
Wage-to-Rent Ratio 81
Business Formation Rate 28
Community Vulnerability 43.2
Uninsured Rate 72
Disability Rate 15
Income & Poverty 14.0
Poverty Rate 17
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 Culpeper County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Culpeper County
Culpeper County, VA 40.8 Normal —
Spotsylvania County, VA 39.2 Normal -1.6
Orange County, VA 37.3 Normal -3.5
Rappahannock County, VA 36.5 Normal -4.3
Stafford County, VA 33.3 Healthy -7.5
Madison County, VA 30.2 Healthy -10.6
Fauquier County, VA 28.9 Healthy -11.9

Population Peers

County Score Zone vs. Culpeper County
Warren County, NJ 40.8 Normal 0.0
Eaton County, MI 40.8 Normal -0.0
Campbell County, VA 40.8 Normal -0.0
Monongalia County, WV 41.0 Normal +0.1
LaSalle County, IL 41.0 Normal +0.2

Download Data

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

Find Help in Culpeper County

Find an Attorney

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

Virginia State Bar Lawyer Referral Service 1-800-552-7977

Free Legal Aid

Legal aid organizations serving Culpeper County residents at no cost.

Virginia Legal Aid Society 540-342-3900
Legal Aid Justice Center 434-977-0553
Legal Services of Northern Virginia 703-778-6800
Virginia Poverty Law Center 804-782-9430
Central Virginia Legal Aid Society 804-648-1012
Blue Ridge Legal Services, Inc. (866) 534-5243
Legal Aid Society of Eastern Virginia (757) 827-5078
Southwest Virginia Legal Aid Society, Inc. (888) 201-2772

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

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Frequently Asked Questions

  • What is the distress score for Culpeper County, Virginia?

    Culpeper County has a County Distress Index score of 40.8 out of 100, placing it in the Normal zone. It ranks 2,305th nationally out of 3,144 counties and 87th in Virginia out of 133 counties.

  • What drives financial distress in Culpeper County?

    The primary driver of distress in Culpeper County is Housing Cost Burden, where the county scores 58.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Culpeper County compare to neighboring counties?

    Culpeper County (40.8) can be compared to its 6 neighboring counties: Spotsylvania County, VA (39.2); Orange County, VA (37.3); Rappahannock County, VA (36.5).

  • 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 Culpeper County?

    Culpeper County, Virginia has a population of approximately 54,973 (2023 Census estimate), classified as a mid county.