State Data

State Financial Distress Profiles

Household debt and delinquency data for all 50 states and DC, compared to national averages. Each profile includes credit card, auto loan, and mortgage delinquency rates, total debt per capita, and a foreclosure law summary.

Data: NY Fed Consumer Credit Panel, Q4 2025 | Updated: 2026-03-09

National Snapshot

The national American Distress Index reads 59.0 (Elevated). Across 51 state-level composites, 26 are in Elevated or higher distress zones, with scores ranging from 34.5 to 76. State badges below show each state's composite distress score and zone.

State Distress Map

AK TX MI CA VA FL MN LA KY WI NY IL WV ME MD ID NC WA MO GA OR MT IA HI OH IN MS OK SC TN AR MA AL PA NJ AZ NE SD NH VT NV CT NM CO RI ND WY DE KS UT DC

Click any state to view its full distress profile. Each state scored 0–100 across 6 dimensions.

All State Profiles

AL 58.8

Alabama

Elevated #9
AK 40.8

Alaska

Normal #40
AZ 52.1

Arizona

Elevated #24
AR 54.1

Arkansas

Elevated #19
CA 59.8

California

Elevated #8
CO 45.8

Colorado

Normal #33
CT 44.4

Connecticut

Normal #35
DE 62.1

Delaware

Elevated #7
DC 76

District of Columbia

Serious Stress #1
FL 62.8

Florida

Elevated #5
GA 64.9

Georgia

Elevated #3
HI 38.2

Hawaii

Normal #45
ID 38.1

Idaho

Normal #47
IL 57.3

Illinois

Elevated #11
IN 49.5

Indiana

Normal #28
IA 41.3

Iowa

Normal #39
KS 43.9

Kansas

Normal #36
KY 56.6

Kentucky

Elevated #14
LA 64.5

Louisiana

Elevated #4
ME 39.4

Maine

Normal #41
MD 56

Maryland

Elevated #16
MA 45.6

Massachusetts

Normal #34
MI 56.1

Michigan

Elevated #15
MN 41.5

Minnesota

Normal #38
MS 62.8

Mississippi

Elevated #6
MO 47.6

Missouri

Normal #30
MT 37

Montana

Normal #48
NE 38.3

Nebraska

Normal #44
NV 66

Nevada

Serious Stress #2
NH 38.2

New Hampshire

Normal #46
NJ 53.6

New Jersey

Elevated #20
NM 55.4

New Mexico

Elevated #17
NY 56.7

New York

Elevated #12
NC 48.6

North Carolina

Normal #29
ND 34.6

North Dakota

Healthy #49
OH 52.3

Ohio

Elevated #23
OK 57.9

Oklahoma

Elevated #10
OR 51.5

Oregon

Elevated #25
PA 52.4

Pennsylvania

Elevated #22
RI 49.7

Rhode Island

Normal #27
SC 53.1

South Carolina

Elevated #21
SD 34.5

South Dakota

Healthy #50
TN 50.4

Tennessee

Elevated #26
TX 56.7

Texas

Elevated #13
UT 42.5

Utah

Normal #37
VT 34.5

Vermont

Healthy #51
VA 46

Virginia

Normal #32
WA 46.9

Washington

Normal #31
WV 55.4

West Virginia

Elevated #18
WI 38.6

Wisconsin

Normal #43
WY 39.3

Wyoming

Normal #42

Reading the State Distress Index

Each state is scored 0-100 on a composite of 6 data dimensions: debt delinquency (30%), SNAP enrollment (20%), bankruptcy filings (15%), unemployment (15%), CFPB complaints (10%), and safety net strength (10%). Scores use cross-sectional Z-score normalization — the median state falls near 50.

65+ Serious Stress or Crisis — multiple distress dimensions elevated
50-65 Elevated — above-average distress across several metrics
<50 Normal or Healthy — at or below median distress

Related Statistics and Data

Household Debt by State

Full 51-state comparison with charts, rankings, and the overlap problem analysis.

Credit Card Default Statistics

National credit card delinquency, charge-offs, and the big-bank vs small-bank split.

Default Rates by Loan Type

FHA, auto, credit card, student loan, and conventional mortgage defaults compared.

Foreclosure Laws by State

Complete guides to foreclosure process, timelines, and protections for all 50 states.

Housing Affordability Statistics

Median home prices, FHA delinquency, mortgage debt service, and the rate lock trap.

American Distress Index

The composite distress score tracking U.S. household financial stress.
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If you're struggling with debt or facing foreclosure, free help is available. Find help near you · Browse the Glossary · The U.S. Department of Housing and Urban Development provides HUD-approved housing counselors at no cost. You can also call 1-800-569-4287.