{
  "index": "State Distress Index (SDI)",
  "source": "American Default Research, State Distress Index",
  "url": "https://americandefault.org/states/",
  "last_updated": "2026-11-04",
  "edition": "November 2026",
  "data_from": "2025 to Sep 2026",
  "note": "Rank 1 is the most distressed. A score is the share of the 50 states and D.C. a place is more distressed than. Part scores run 0 to 100.",
  "places": [
    {
      "rank": 1,
      "rank_tied": false,
      "state": "Louisiana",
      "abbr": "LA",
      "score": 100,
      "parts": {
        "debt_burden": 87.25,
        "default_legal": 90.2,
        "delinquency": 95.1,
        "labor": 59.8
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 2,
      "rank_tied": false,
      "state": "Nevada",
      "abbr": "NV",
      "score": 98,
      "parts": {
        "debt_burden": 73.53,
        "default_legal": 87.25,
        "delinquency": 83.99,
        "labor": 85.29
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 3,
      "rank_tied": false,
      "state": "Florida",
      "abbr": "FL",
      "score": 96,
      "parts": {
        "debt_burden": 99.02,
        "default_legal": 69.61,
        "delinquency": 78.1,
        "labor": 75.49
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 4,
      "rank_tied": false,
      "state": "Mississippi",
      "abbr": "MS",
      "score": 94,
      "parts": {
        "debt_burden": 89.22,
        "default_legal": 90.2,
        "delinquency": 97.06,
        "labor": 31.37
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 5,
      "rank_tied": false,
      "state": "Michigan",
      "abbr": "MI",
      "score": 92,
      "parts": {
        "debt_burden": 85.29,
        "default_legal": 66.67,
        "delinquency": 49.67,
        "labor": 91.18
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 6,
      "rank_tied": false,
      "state": "Texas",
      "abbr": "TX",
      "score": 90,
      "parts": {
        "debt_burden": 61.76,
        "default_legal": 68.63,
        "delinquency": 88.24,
        "labor": 73.53
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 7,
      "rank_tied": false,
      "state": "Arizona",
      "abbr": "AZ",
      "score": 88,
      "parts": {
        "debt_burden": 67.65,
        "default_legal": 61.76,
        "delinquency": 66.67,
        "labor": 88.24
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 8,
      "rank_tied": false,
      "state": "Delaware",
      "abbr": "DE",
      "score": 86,
      "parts": {
        "debt_burden": 63.73,
        "default_legal": 70.59,
        "delinquency": 70.59,
        "labor": 78.43
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 9,
      "rank_tied": false,
      "state": "South Carolina",
      "abbr": "SC",
      "score": 84,
      "parts": {
        "debt_burden": 77.45,
        "default_legal": 56.86,
        "delinquency": 83.99,
        "labor": 57.84
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 10,
      "rank_tied": false,
      "state": "Alabama",
      "abbr": "AL",
      "score": 82,
      "parts": {
        "debt_burden": 59.8,
        "default_legal": 96.08,
        "delinquency": 88.24,
        "labor": 31.37
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 11,
      "rank_tied": false,
      "state": "Georgia",
      "abbr": "GA",
      "score": 80,
      "parts": {
        "debt_burden": 65.69,
        "default_legal": 94.12,
        "delinquency": 92.81,
        "labor": 22.55
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 12,
      "rank_tied": false,
      "state": "California",
      "abbr": "CA",
      "score": 78,
      "parts": {
        "debt_burden": 97.06,
        "default_legal": 38.73,
        "delinquency": 41.18,
        "labor": 94.12
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 13,
      "rank_tied": true,
      "state": "Connecticut",
      "abbr": "CT",
      "score": 74,
      "parts": {
        "debt_burden": 91.18,
        "default_legal": 36.27,
        "delinquency": 44.44,
        "labor": 97.06
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 13,
      "rank_tied": true,
      "state": "Illinois",
      "abbr": "IL",
      "score": 74,
      "parts": {
        "debt_burden": 71.57,
        "default_legal": 59.8,
        "delinquency": 55.23,
        "labor": 82.35
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 15,
      "rank_tied": false,
      "state": "Kentucky",
      "abbr": "KY",
      "score": 72,
      "parts": {
        "debt_burden": 26.47,
        "default_legal": 87.25,
        "delinquency": 72.22,
        "labor": 78.43
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 16,
      "rank_tied": false,
      "state": "Maryland",
      "abbr": "MD",
      "score": 70,
      "parts": {
        "debt_burden": 79.41,
        "default_legal": 60.78,
        "delinquency": 66.67,
        "labor": 55.88
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 17,
      "rank_tied": false,
      "state": "West Virginia",
      "abbr": "WV",
      "score": 68,
      "parts": {
        "debt_burden": 69.61,
        "default_legal": 55.88,
        "delinquency": 81.05,
        "labor": 53.92
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 18,
      "rank_tied": false,
      "state": "New Mexico",
      "abbr": "NM",
      "score": 66,
      "parts": {
        "debt_burden": 48.04,
        "default_legal": 46.08,
        "delinquency": 73.2,
        "labor": 82.35
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 19,
      "rank_tied": false,
      "state": "Oregon",
      "abbr": "OR",
      "score": 64,
      "parts": {
        "debt_burden": 83.33,
        "default_legal": 46.08,
        "delinquency": 23.53,
        "labor": 94.12
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 20,
      "rank_tied": false,
      "state": "Oklahoma",
      "abbr": "OK",
      "score": 62,
      "parts": {
        "debt_burden": 16.67,
        "default_legal": 78.43,
        "delinquency": 83.99,
        "labor": 61.76
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 21,
      "rank_tied": false,
      "state": "New York",
      "abbr": "NY",
      "score": 60,
      "parts": {
        "debt_burden": 93.14,
        "default_legal": 25.49,
        "delinquency": 52.94,
        "labor": 68.63
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 22,
      "rank_tied": false,
      "state": "Arkansas",
      "abbr": "AR",
      "score": 58,
      "parts": {
        "debt_burden": 18.63,
        "default_legal": 86.27,
        "delinquency": 84.64,
        "labor": 50
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 23,
      "rank_tied": false,
      "state": "New Jersey",
      "abbr": "NJ",
      "score": 56,
      "parts": {
        "debt_burden": 81.37,
        "default_legal": 42.65,
        "delinquency": 47.71,
        "labor": 64.71
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 24,
      "rank_tied": false,
      "state": "District of Columbia",
      "abbr": "DC",
      "score": 54,
      "parts": {
        "debt_burden": 30.39,
        "default_legal": 10.78,
        "delinquency": 79.74,
        "labor": 99.02
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 25,
      "rank_tied": false,
      "state": "Tennessee",
      "abbr": "TN",
      "score": 52,
      "parts": {
        "debt_burden": 40.2,
        "default_legal": 86.27,
        "delinquency": 62.75,
        "labor": 28.43
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 26,
      "rank_tied": false,
      "state": "Indiana",
      "abbr": "IN",
      "score": 50,
      "parts": {
        "debt_burden": 53.92,
        "default_legal": 75.49,
        "delinquency": 60.78,
        "labor": 24.51
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 27,
      "rank_tied": false,
      "state": "Pennsylvania",
      "abbr": "PA",
      "score": 48,
      "parts": {
        "debt_burden": 55.88,
        "default_legal": 44.61,
        "delinquency": 57.84,
        "labor": 45.1
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 28,
      "rank_tied": false,
      "state": "Ohio",
      "abbr": "OH",
      "score": 46,
      "parts": {
        "debt_burden": 46.08,
        "default_legal": 73.04,
        "delinquency": 57.19,
        "labor": 26.47
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 29,
      "rank_tied": false,
      "state": "North Carolina",
      "abbr": "NC",
      "score": 44,
      "parts": {
        "debt_burden": 34.31,
        "default_legal": 45.59,
        "delinquency": 69.61,
        "labor": 34.31
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 30,
      "rank_tied": false,
      "state": "Colorado",
      "abbr": "CO",
      "score": 42,
      "parts": {
        "debt_burden": 57.84,
        "default_legal": 39.22,
        "delinquency": 34.64,
        "labor": 51.96
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 31,
      "rank_tied": false,
      "state": "Washington",
      "abbr": "WA",
      "score": 40,
      "parts": {
        "debt_burden": 51.96,
        "default_legal": 24.02,
        "delinquency": 15.69,
        "labor": 88.24
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 32,
      "rank_tied": false,
      "state": "Virginia",
      "abbr": "VA",
      "score": 38,
      "parts": {
        "debt_burden": 38.24,
        "default_legal": 53.92,
        "delinquency": 44.12,
        "labor": 42.16
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 33,
      "rank_tied": false,
      "state": "Massachusetts",
      "abbr": "MA",
      "score": 36,
      "parts": {
        "debt_burden": 75.49,
        "default_legal": 10.78,
        "delinquency": 19.61,
        "labor": 68.63
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 34,
      "rank_tied": false,
      "state": "Missouri",
      "abbr": "MO",
      "score": 34,
      "parts": {
        "debt_burden": 12.75,
        "default_legal": 64.71,
        "delinquency": 55.88,
        "labor": 38.24
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 35,
      "rank_tied": false,
      "state": "Rhode Island",
      "abbr": "RI",
      "score": 32,
      "parts": {
        "debt_burden": 32.35,
        "default_legal": 33.33,
        "delinquency": 47.71,
        "labor": 45.1
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 36,
      "rank_tied": false,
      "state": "Minnesota",
      "abbr": "MN",
      "score": 30,
      "parts": {
        "debt_burden": 50,
        "default_legal": 32.35,
        "delinquency": 4.25,
        "labor": 71.57
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 37,
      "rank_tied": false,
      "state": "Kansas",
      "abbr": "KS",
      "score": 28,
      "parts": {
        "debt_burden": 10.78,
        "default_legal": 50.98,
        "delinquency": 43.14,
        "labor": 48.04
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 38,
      "rank_tied": false,
      "state": "Idaho",
      "abbr": "ID",
      "score": 26,
      "parts": {
        "debt_burden": 42.16,
        "default_legal": 37.75,
        "delinquency": 25.16,
        "labor": 40.2
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 39,
      "rank_tied": false,
      "state": "Utah",
      "abbr": "UT",
      "score": 24,
      "parts": {
        "debt_burden": 36.27,
        "default_legal": 51.96,
        "delinquency": 13.07,
        "labor": 36.27
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 40,
      "rank_tied": false,
      "state": "Hawaii",
      "abbr": "HI",
      "score": 22,
      "parts": {
        "debt_burden": 95.1,
        "default_legal": 11.76,
        "delinquency": 22.22,
        "labor": 7.84
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 41,
      "rank_tied": false,
      "state": "Alaska",
      "abbr": "AK",
      "score": 20,
      "parts": {
        "debt_burden": 2.94,
        "default_legal": 27.94,
        "delinquency": 25.16,
        "labor": 64.71
      },
      "highest_part": [
        "labor"
      ]
    },
    {
      "rank": 42,
      "rank_tied": false,
      "state": "Iowa",
      "abbr": "IA",
      "score": 18,
      "parts": {
        "debt_burden": 24.51,
        "default_legal": 42.16,
        "delinquency": 34.31,
        "labor": 17.65
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 43,
      "rank_tied": false,
      "state": "Maine",
      "abbr": "ME",
      "score": 16,
      "parts": {
        "debt_burden": 44.12,
        "default_legal": 19.61,
        "delinquency": 22.55,
        "labor": 17.65
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 44,
      "rank_tied": false,
      "state": "Wisconsin",
      "abbr": "WI",
      "score": 14,
      "parts": {
        "debt_burden": 22.55,
        "default_legal": 42.16,
        "delinquency": 6.86,
        "labor": 20.59
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 45,
      "rank_tied": false,
      "state": "Wyoming",
      "abbr": "WY",
      "score": 12,
      "parts": {
        "debt_burden": 4.9,
        "default_legal": 44.12,
        "delinquency": 28.1,
        "labor": 12.75
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 46,
      "rank_tied": false,
      "state": "Nebraska",
      "abbr": "NE",
      "score": 10,
      "parts": {
        "debt_burden": 20.59,
        "default_legal": 39.71,
        "delinquency": 15.36,
        "labor": 10.78
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 47,
      "rank_tied": false,
      "state": "Montana",
      "abbr": "MT",
      "score": 8,
      "parts": {
        "debt_burden": 8.82,
        "default_legal": 25.49,
        "delinquency": 17.32,
        "labor": 14.71
      },
      "highest_part": [
        "default_legal"
      ]
    },
    {
      "rank": 48,
      "rank_tied": false,
      "state": "Vermont",
      "abbr": "VT",
      "score": 6,
      "parts": {
        "debt_burden": 28.43,
        "default_legal": 6.37,
        "delinquency": 9.8,
        "labor": 4.9
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 49,
      "rank_tied": false,
      "state": "South Dakota",
      "abbr": "SD",
      "score": 4,
      "parts": {
        "debt_burden": 6.86,
        "default_legal": 11.76,
        "delinquency": 28.1,
        "labor": 0.98
      },
      "highest_part": [
        "delinquency"
      ]
    },
    {
      "rank": 50,
      "rank_tied": false,
      "state": "New Hampshire",
      "abbr": "NH",
      "score": 2,
      "parts": {
        "debt_burden": 14.71,
        "default_legal": 12.75,
        "delinquency": 12.09,
        "labor": 7.84
      },
      "highest_part": [
        "debt_burden"
      ]
    },
    {
      "rank": 51,
      "rank_tied": false,
      "state": "North Dakota",
      "abbr": "ND",
      "score": 0,
      "parts": {
        "debt_burden": 0.98,
        "default_legal": 15.69,
        "delinquency": 15.69,
        "labor": 2.94
      },
      "highest_part": [
        "delinquency",
        "default_legal"
      ]
    }
  ]
}