Shenandoah County, Virginia
Near the national median for unemployment — and 3.6× the rate of the healthiest U.S. county (Loving County, TX — 1%).
Main Findings
Shenandoah County, Virginia ranks 2,203rd most distressed in the United States on the County Distress Index. Shenandoah sits near the national median across major distress indicators. Its highest-scoring domain is Labor.
- 2,203rd of 3,144 counties on the County Distress Index — 38.9 · low-moderate county distress, 104th in Virginia.
- 4% of the labor force is unemployed (U.S. median 4%). Unemployment at the 46th percentile nationally. Source: U.S. Bureau of Labor Statistics, LAUS (May 2026).
- Subprime credit share at 23% — national median 23%, ranked at the 50th percentile. Source: Federal Reserve Bank of St. Louis, Equifax (2025).
- Bankruptcy filing rate at 139 — national median 126, ranked at the 56th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Disability rate at 17% — national median 16%, ranked at the 60th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Neighbors span four CDI score labels. The 24-point drop to Rockingham County marks where the Virginia distress corridor ends.
Shenandoah County has a low-moderate county distress score. The CDI reading is a county comparison, separate from national ADI bands.
The CDI gives this county a low-moderate county distress label. The label comes from the score, while the rank compares the county with the current national cross-section. Its highest-scoring domain is Labor.
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 Shenandoah County's CDI Score
Every number traces to a public source. Shenandoah County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | Shenandoah | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 44 · Rank 1,794 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 6% | 5% | 36th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 5% | 6% | 5% | 45th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 23% | 25% | 23% | 50th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 41 · Rank 1,938 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 17% | 22% | 23% | 27th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 139 | 177 | 126 | 56th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 32 · Rank 2,338 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 17% | 22% | 21% | 15th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 19% | 18% | 49th | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 46 · Rank 1,645 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 46th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 32 · Rank 2,299 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 12% | 18% | 18% | 21st | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 15% | 16% | 60th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 10% | 13% | 14% | 20th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 7% | 7% | 8% | 39th | 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 Shenandoah County data — in under 60 seconds.
Draft wire copy 127-word AP-style article — use freely with attribution
WOODSTOCK, Va. — Shenandoah County ranks 2,203rd 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 38.9 out of 100 gives Shenandoah a low-moderate county distress label. Among 3,144 U.S. counties scored, 2,202 counties rank more distressed. Within Virginia, Shenandoah ranks 104th 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, finds Shenandoah sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
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 Shenandoah County's CDI score, and what does it mean?
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How does Shenandoah County compare to its neighbors?
How is the County Distress Index calculated?
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