Fredericksburg city, Virginia

County Distress Index: Elevated · 51.2 | 28,928 people · 60th most distressed in Virginia
American Default Research

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Fredericksburg city, VA registers elevated household financial distress with a score of 51.2 — 1497th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Virginia, it ranks 60th of 133 counties. It scores higher than all 2 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Fredericksburg city's primary driver is Housing Cost Burden at 77.0 — worse than roughly 77% of U.S. counties.

Housing Cost Burden Primary driver 77.0
Rent-Burdened (30%+) 77
Severely Rent-Burdened (50%+) 91
Mortgage-Burdened (30%+) 20
Homeownership Rate 99
Rent-to-Income Ratio 99
Debt & Delinquency 61.1
Debt in Collections 52
Medical Debt 19
Student Loan Delinquency 61
Auto Loan Delinquency 84
Credit Card Delinquency 64
Bankruptcy Filing Rate 86
Employment & Wages 51.0
Unemployment Rate 49
Wage-to-Rent Ratio 98
Business Formation Rate 6
Income & Poverty 40.4
Poverty Rate 43
Income vs. State Median 20
Child Poverty Rate 58
Community Vulnerability 26.3
Uninsured Rate 48
Disability Rate 4

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

Neighbors and Peers

How Fredericksburg city compares to its 2 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Fredericksburg city
Fredericksburg city, VA 51.2 Elevated —
Spotsylvania County, VA 39.2 Normal -12.0
Stafford County, VA 33.3 Healthy -17.9

Population Peers

County Score Zone vs. Fredericksburg city
McKean County, PA 51.2 Elevated +0.0
Newton County, IN 51.1 Elevated -0.0
Stokes County, NC 51.1 Elevated -0.0
Miller County, MO 51.1 Elevated -0.1
Carroll County, OH 51.1 Elevated -0.1

Download Data

Export all distress indicators for Fredericksburg city as a CSV file.

Find Help in Fredericksburg city

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Fredericksburg city.

CENTRAL VIRGINIA HOUSING COALITION
Fredericksburg
540-604-9943 Website
Mortgage HelpFinancial CounselingFinancial CounselingFair Housing

See all counselors in Virginia →

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 Fredericksburg city 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.

Need legal help? Find a foreclosure defense attorney in Virginia →

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Frequently Asked Questions

  • What is the distress score for Fredericksburg city, Virginia?

    Fredericksburg city has a County Distress Index score of 51.2 out of 100, placing it in the Elevated zone. It ranks 1,497th nationally out of 3,144 counties and 60th in Virginia out of 133 counties.

  • What drives financial distress in Fredericksburg city?

    The primary driver of distress in Fredericksburg city is Housing Cost Burden, where the county scores 77.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Fredericksburg city compare to neighboring counties?

    Fredericksburg city (51.2) can be compared to its 2 neighboring counties: Spotsylvania County, VA (39.2); Stafford County, VA (33.3).

  • 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 Fredericksburg city?

    Fredericksburg city, Virginia has a population of approximately 28,928 (2023 Census estimate), classified as a small county.