Louisa County, Virginia

County Distress Index: Normal · 40.2 | 41,037 people · 90th most distressed in Virginia
American Default Research

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Louisa County, VA falls within the normal range for household financial distress at 40.2 — 2336th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Virginia, it ranks 90th 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. Louisa County's primary driver is Debt & Delinquency at 50.0 — above the national median.

Debt & Delinquency Primary driver 50.0
Debt in Collections 41
Medical Debt 20
Student Loan Delinquency 22
Auto Loan Delinquency 70
Credit Card Delinquency 62
Bankruptcy Filing Rate 85
Housing Cost Burden 49.5
Rent-Burdened (30%+) 85
Severely Rent-Burdened (50%+) 63
Mortgage-Burdened (30%+) 59
Homeownership Rate 14
Rent-to-Income Ratio 27
Employment & Wages 43.2
Unemployment Rate 49
Wage-to-Rent Ratio 50
Business Formation Rate 31
Community Vulnerability 39.4
Uninsured Rate 34
Disability Rate 45
Income & Poverty 18.8
Poverty Rate 16
Income vs. State Median 15
Child Poverty Rate 26

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

Neighbors and Peers

How Louisa County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Louisa County
Louisa County, VA 40.2 Normal —
Spotsylvania County, VA 39.2 Normal -1.0
Orange County, VA 37.3 Normal -2.9
Fluvanna County, VA 34.7 Healthy -5.5
Albemarle County, VA 30.6 Healthy -9.5
Hanover County, VA 26.8 Healthy -13.4
Goochland County, VA 13.9 Healthy -26.3

Population Peers

County Score Zone vs. Louisa County
Preble County, OH 40.2 Normal 0.0
Freeborn County, MN 40.2 Normal +0.0
Mercer County, KY 40.2 Normal -0.0
Carlton County, MN 40.2 Normal -0.0
Faribault County, MN 40.2 Normal +0.1

Download Data

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

Find Help in Louisa 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 Louisa 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 Louisa County, Virginia?

    Louisa County has a County Distress Index score of 40.2 out of 100, placing it in the Normal zone. It ranks 2,336th nationally out of 3,144 counties and 90th in Virginia out of 133 counties.

  • What drives financial distress in Louisa County?

    The primary driver of distress in Louisa County is Debt & Delinquency, where the county scores 50.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Louisa County compare to neighboring counties?

    Louisa County (40.2) can be compared to its 6 neighboring counties: Spotsylvania County, VA (39.2); Orange County, VA (37.3); Fluvanna County, VA (34.7).

  • 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 Louisa County?

    Louisa County, Virginia has a population of approximately 41,037 (2023 Census estimate), classified as a small county.