King and Queen County, Virginia
More than double the national median for auto loan delinquency.
Main Findings
King and Queen County, Virginia ranks 1,320th most distressed in the United States on the County Distress Index. The driver: 11% of auto loan accounts are 60+ days past due — more than double the national median of 5%. Its highest-scoring domain is Delinquency.
- 1,320th of 3,144 counties on the County Distress Index — 55.0 · moderate county distress, 63rd in Virginia.
- 11% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 95th percentile nationally. Source: Urban Institute Debt in America (2025).
- Bankruptcy filing rate at 238 — national median 126, ranked at the 83rd percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Rent-to-income ratio at 23% — national median 21%, ranked at the 63rd percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Disability rate at 16% — national median 16%, ranked at the 54th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Unemployment is 3%, near the national median of 4%, while auto loan delinquency runs at the 95th percentile. Jobs exist; wages don't close the gap.
Neighbors span five CDI score labels. The 39-point drop to New Kent County marks where the Virginia distress corridor ends.
King and Queen 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 King and Queen County's CDI Score
Every number traces to a public source. King and Queen County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | King and Queen | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 78 · Rank 601 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 11% | 6% | 5% | 95th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 6% | 5% | 83rd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 25% | 25% | 23% | 55th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 75 · Rank 584 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 28% | 22% | 23% | 66th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 238 | 177 | 126 | 83rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 59 · Rank 1,169 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 63rd | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 19% | 19% | 18% | 54th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 22 · Rank 2,383 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 4% | 4% | 22nd | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 41 · Rank 1,919 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 18% | 18% | 53rd | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 16% | 15% | 16% | 54th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 13% | 14% | 43rd | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 5% | 7% | 8% | 18th | 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 King and Queen County data — in under 60 seconds.
Draft wire copy 146-word AP-style article — use freely with attribution
KING AND QUEEN COURT HOUSE, Va. — King and Queen County ranks 1,320th 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 55.0 out of 100 gives King and Queen a moderate county distress label. Among 3,144 U.S. counties scored, 1,319 counties rank more distressed. Within Virginia, King and Queen ranks 63rd 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 delinquency as the primary driver in King and Queen. 11% of auto loan accounts are 60+ days past due — more than double 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
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