Mecklenburg County, Virginia
Above the national median for credit card delinquency.
Main Findings
Mecklenburg County, Virginia ranks 823rd most distressed in the United States on the County Distress Index. The driver: 9% of credit card accounts are 60+ days past due — above the national median of 5%. Its highest-scoring domain is Delinquency.
- 823rd of 3,144 counties on the County Distress Index — 63.9 · moderate-high county distress, 40th in Virginia.
- 9% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 88th percentile nationally. Source: Urban Institute Debt in America (2025).
- Bankruptcy filing rate at 166 — national median 126, ranked at the 65th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Disability rate at 20% — national median 16%, ranked at the 79th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Severe rent burden (50%+) at 21% — national median 18%, ranked at the 69th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Neighbors span four CDI score labels. The 28-point drop to Granville County, NC marks a cross-border distress gradient.
Mecklenburg County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. 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 Mecklenburg County's CDI Score
Every number traces to a public source. Mecklenburg County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | Mecklenburg | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 77 · Rank 633 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 77th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 6% | 5% | 88th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 27% | 25% | 23% | 64th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 65 · Rank 938 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 27% | 22% | 23% | 65th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 166 | 177 | 126 | 65th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 61 · Rank 1,077 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 21% | 22% | 21% | 53rd | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 21% | 19% | 18% | 69th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 53 · Rank 1,407 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 53rd | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 64 · Rank 1,048 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 21% | 18% | 18% | 64th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 15% | 16% | 79th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 15% | 13% | 14% | 59th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 7% | 7% | 8% | 37th | 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 Mecklenburg County data — in under 60 seconds.
Draft wire copy 132-word AP-style article — use freely with attribution
BOYDTON, Va. — Mecklenburg County ranks 823rd 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 63.9 out of 100 gives Mecklenburg a moderate-high county distress label. Among 3,144 U.S. counties scored, 822 counties rank more distressed. Within Virginia, Mecklenburg ranks 40th 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 Mecklenburg. 9% of credit card accounts are 60+ days past due — above 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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