Middlesex County, Virginia
Above the national median for bankruptcy filing rate — and 28.8× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Middlesex County, Virginia ranks 1,830th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 210 — above the national median of 126. Its highest-scoring domain is Default & Legal.
- 1,830th of 3,144 counties on the County Distress Index — 45.8 · moderate-low county distress, 84th in Virginia.
- A bankruptcy filing rate of 210 (U.S. median 126). Bankruptcy filing rate at the 77th percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Disability rate at 20% — national median 16%, ranked at the 81st percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Auto loan delinquency at 7% — national median 5%, ranked at the 69th percentile. Source: Urban Institute Debt in America (2025).
- Rent-to-income ratio at 23% — national median 21%, ranked at the 66th percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
Neighbors span four CDI score labels. The 28-point drop to Gloucester County marks where the Virginia distress corridor ends.
Middlesex County has a moderate-low county distress score. The state rank and domain mix give the county-level context.
The CDI gives this county a moderate-low county distress label. The state rank and highest-scoring local domain add context that the composite alone cannot carry. Its highest-scoring domain is Default & Legal.
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 Middlesex County's CDI Score
Every number traces to a public source. Middlesex County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | Middlesex | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 48 · Rank 1,626 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 7% | 6% | 5% | 69th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 6% | 5% | 51st | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 18% | 25% | 23% | 25th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 57 · Rank 1,222 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 20% | 22% | 23% | 37th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 210 | 177 | 126 | 77th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 39 · Rank 2,049 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 66th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 9% | 19% | 18% | 11th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 34 · Rank 2,026 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 4% | 4% | 34th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 51 · Rank 1,553 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 18% | 18% | 58th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 15% | 16% | 81st | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 13% | 14% | 45th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 7% | 8% | 35th | 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 Middlesex County data — in under 60 seconds.
Draft wire copy 130-word AP-style article — use freely with attribution
SALUDA, Va. — Middlesex County ranks 1,830th 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 45.8 out of 100 gives Middlesex a moderate-low county distress label. Among 3,144 U.S. counties scored, 1,829 counties rank more distressed. Within Virginia, Middlesex ranks 84th 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 default & legal as the primary driver in Middlesex. A bankruptcy filing rate of 210 — above the national median of 126.
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
What is Middlesex County's CDI score, and what does it mean?
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How does Middlesex County compare to its neighbors?
How is the County Distress Index calculated?
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