Northumberland County, Virginia

County Distress Index: Normal · 44.8 | 12,391 people · 74th most distressed in Virginia
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Northumberland County, VA falls within the normal range for household financial distress at 44.8 — 2009th nationally out of 3144 counties. The primary driver is Employment & Wages, where unemployment is elevated, wages are low relative to housing costs, and business formation lags. Within Virginia, it ranks 74th of 133 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Northumberland County's primary driver is Employment & Wages at 67.2 — above the national median.

Employment & Wages Primary driver 67.2
Unemployment Rate 88
Wage-to-Rent Ratio 82
Business Formation Rate 31
Debt & Delinquency 49.6
Debt in Collections 38
Medical Debt 19
Student Loan Delinquency 47
Auto Loan Delinquency 76
Credit Card Delinquency 47
Bankruptcy Filing Rate 71
Income & Poverty 48.0
Poverty Rate 38
Income vs. State Median 33
Child Poverty Rate 72
Community Vulnerability 37.4
Uninsured Rate 36
Disability Rate 39
Housing Cost Burden 21.7
Rent-Burdened (30%+) 7
Severely Rent-Burdened (50%+) 16
Mortgage-Burdened (30%+) 18
Homeownership Rate 5
Rent-to-Income Ratio 63

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Northumberland County
Northumberland County, VA 44.8 Normal —
Somerset County, MD 65.5 Serious +20.7
Westmoreland County, VA 62.0 Elevated +17.2
Accomack County, VA 57.6 Elevated +12.8
Richmond County, VA 53.9 Elevated +9.1
Lancaster County, VA 46.9 Normal +2.2
St. Mary's County, MD 33.5 Healthy -11.3

Population Peers

County Score Zone vs. Northumberland County
Fulton County, IL 44.8 Normal -0.0
Appomattox County, VA 44.7 Normal -0.0
Stewart County, TN 44.7 Normal -0.1
Wakulla County, FL 44.9 Normal +0.1
Lee County, GA 44.9 Normal +0.1

Download Data

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

Find Help in Northumberland 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 Northumberland 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.

Need legal help? Find a foreclosure defense attorney in Virginia →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Northumberland County, Virginia?

    Northumberland County has a County Distress Index score of 44.8 out of 100, placing it in the Normal zone. It ranks 2,009th nationally out of 3,144 counties and 74th in Virginia out of 133 counties.

  • What drives financial distress in Northumberland County?

    The primary driver of distress in Northumberland County is Employment & Wages, where the county scores 67.2 out of 100. This domain is measured by indicators including Unemployment Rate, Wage-to-Rent Ratio, Business Formation Rate.

  • How does Northumberland County compare to neighboring counties?

    Northumberland County (44.8) can be compared to its 6 neighboring counties: Somerset County, MD (65.5); Westmoreland County, VA (62.0); Accomack County, VA (57.6).

  • 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 Northumberland County?

    Northumberland County, Virginia has a population of approximately 12,391 (2023 Census estimate), classified as a small county.