Hardy County, West Virginia

County Distress Index: Normal · 49.7 | 14,251 people · 34th most distressed in West Virginia

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Hardy County, WV falls within the normal range for household financial distress at 49.7 — 1613th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within West Virginia, it ranks 34th of 55 counties. Among its 7 neighboring counties, 6 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Hardy County's primary driver is Debt & Delinquency at 68.8 — above the national median.

Debt & Delinquency Primary driver 68.8
Debt in Collections 74
Medical Debt 86
Student Loan Delinquency 95
Auto Loan Delinquency 81
Credit Card Delinquency 70
Bankruptcy Filing Rate 7
Community Vulnerability 55.0
Uninsured Rate 37
Disability Rate 73
Income & Poverty 49.8
Poverty Rate 52
Income vs. State Median 55
Child Poverty Rate 42
Employment & Wages 47.9
Unemployment Rate 55
Wage-to-Rent Ratio 34
Business Formation Rate 55
Housing Cost Burden 26.9
Rent-Burdened (30%+) 16
Severely Rent-Burdened (50%+) 13
Mortgage-Burdened (30%+) 30
Homeownership Rate 21
Rent-to-Income Ratio 53

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

Neighbors and Peers

How Hardy County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Hardy County
Hardy County, WV 49.7 Normal
Hampshire County, WV 52.5 Elevated +2.8
Grant County, WV 47.2 Normal -2.5
Pendleton County, WV 44.6 Normal -5.1
Shenandoah County, VA 40.0 Normal -9.7
Mineral County, WV 39.2 Normal -10.5
Rockingham County, VA 35.2 Normal -14.5
Frederick County, VA 32.7 Healthy -17.0

Population Peers

County Score Zone vs. Hardy County
Johnson County, IL 49.7 Normal -0.0
Jefferson Davis Parish, LA 49.6 Normal -0.0
Franklin County, TN 49.8 Normal +0.1
Hancock County, MS 49.6 Normal -0.1
Yancey County, NC 49.6 Normal -0.1

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