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 64.4 (Elevated). Across 51 state-level composites, 20 are in Elevated or higher distress zones, with scores ranging from 34.1 to 75.1. 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 58.4

Alabama

Elevated #10
AK 40.2

Alaska

Healthy #40
AZ 52.7

Arizona

Normal #22
AR 54.3

Arkansas

Elevated #19
CA 59.2

California

Elevated #8
CO 45.7

Colorado

Normal #33
CT 45.5

Connecticut

Normal #34
DE 62.4

Delaware

Elevated #7
DC 75.1

District of Columbia

Serious #1
FL 63.3

Florida

Elevated #5
GA 64.6

Georgia

Elevated #4
HI 38.1

Hawaii

Healthy #45
ID 38.1

Idaho

Healthy #46
IL 58.2

Illinois

Elevated #11
IN 48.6

Indiana

Normal #28
IA 40.7

Iowa

Healthy #39
KS 43.8

Kansas

Healthy #36
KY 55.4

Kentucky

Elevated #17
LA 65.7

Louisiana

Elevated #3
ME 39.1

Maine

Healthy #42
MD 56

Maryland

Elevated #15
MA 45.3

Massachusetts

Normal #35
MI 55.8

Michigan

Elevated #16
MN 42.4

Minnesota

Healthy #38
MS 62.5

Mississippi

Elevated #6
MO 47.3

Missouri

Normal #31
MT 37.2

Montana

Healthy #48
NE 38.2

Nebraska

Healthy #44
NV 66

Nevada

Elevated #2
NH 38.1

New Hampshire

Healthy #47
NJ 52.4

New Jersey

Normal #23
NM 56.3

New Mexico

Elevated #14
NY 56.4

New York

Elevated #12
NC 48

North Carolina

Normal #29
ND 34.2

North Dakota

Healthy #50
OH 54.1

Ohio

Elevated #20
OK 58.5

Oklahoma

Elevated #9
OR 51.2

Oregon

Normal #25
PA 52.1

Pennsylvania

Normal #24
RI 50.2

Rhode Island

Normal #26
SC 53.4

South Carolina

Normal #21
SD 34.5

South Dakota

Healthy #49
TN 50.1

Tennessee

Normal #27
TX 56.4

Texas

Elevated #13
UT 42.8

Utah

Healthy #37
VT 34.1

Vermont

Healthy #51
VA 45.9

Virginia

Normal #32
WA 47.8

Washington

Normal #30
WV 55.4

West Virginia

Elevated #18
WI 39.1

Wisconsin

Healthy #43
WY 39.5

Wyoming

Healthy #41

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.

70+ Serious or Crisis — multiple distress dimensions elevated
55-71 Elevated — above-average distress across several metrics
<55 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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