Loudoun County, Virginia

County Distress Index: Healthy · 22.8 | 436,347 people · 130th most distressed in Virginia
American Default Research

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Loudoun County, VA ranks among the least distressed counties in the country at 22.8 — 3075th 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 130th of 133 counties. It scores lower than all 8 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Loudoun County's primary driver is Housing Cost Burden at 52.6 — above the national median.

Housing Cost Burden Primary driver 52.6
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 71
Mortgage-Burdened (30%+) 92
Homeownership Rate 30
Rent-to-Income Ratio 4
Employment & Wages 41.0
Unemployment Rate 30
Wage-to-Rent Ratio 85
Business Formation Rate 8
Debt & Delinquency 10.8
Debt in Collections 2
Medical Debt 13
Student Loan Delinquency 6
Auto Loan Delinquency 10
Credit Card Delinquency 7
Bankruptcy Filing Rate 27
Community Vulnerability 9.6
Uninsured Rate 19
Disability Rate 0
Income & Poverty 0.1
Poverty Rate 0
Income vs. State Median 0
Child Poverty Rate 0

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

Neighbors and Peers

How Loudoun County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Loudoun County
Loudoun County, VA 22.8 Healthy —
Washington County, MD 53.5 Elevated +30.7
Prince William County, VA 38.6 Normal +15.8
Montgomery County, MD 34.8 Healthy +12.0
Clarke County, VA 33.0 Healthy +10.2
Frederick County, MD 32.9 Healthy +10.1
Jefferson County, WV 29.2 Healthy +6.4
Fauquier County, VA 28.9 Healthy +6.1
Fairfax County, VA 26.6 Healthy +3.8

Population Peers

County Score Zone vs. Loudoun County
Douglas County, CO 23.2 Healthy +0.4
Johnson County, KS 22.3 Healthy -0.5
St. Charles County, MO 22.0 Healthy -0.9
Chester County, PA 23.8 Healthy +0.9
Waukesha County, WI 21.3 Healthy -1.5

Download Data

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

Find Help in Loudoun 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 Loudoun 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 Loudoun County, Virginia?

    Loudoun County has a County Distress Index score of 22.8 out of 100, placing it in the Healthy zone. It ranks 3,075th nationally out of 3,144 counties and 130th in Virginia out of 133 counties.

  • What drives financial distress in Loudoun County?

    The primary driver of distress in Loudoun County is Housing Cost Burden, where the county scores 52.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Loudoun County compare to neighboring counties?

    Loudoun County (22.8) can be compared to its 8 neighboring counties: Washington County, MD (53.5); Prince William County, VA (38.6); Montgomery County, MD (34.8).

  • 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 Loudoun County?

    Loudoun County, Virginia has a population of approximately 436,347 (2023 Census estimate), classified as a large county.