Financial distress, county by county.
3,144 U.S. counties scored through the County Distress Index.
How stressed is your county?
492 counties score high, very high, or extreme for county distress. See all rankings →
County Stories
All 3,144 counties →
"The Note"
Washington County, MS scored 92.0 on the County Distress Index in June 2026 — 5th of 3,144 U.S. counties, 3rd in Mississippi. 20% auto loan delinquency at the 99th percentile nationally, the Delinquency domain ranked 3rd in the nation. 36% poverty rate. The county seat, Greenville, was home to Pulitzer-winning editor Hodding Carter II, Civil War historian Shelby Foote, and novelist Walker Percy. Today nearly half its children live in poverty.
"The Line"
Petersburg City scores 92.5 · extreme county distress — 3rd most distressed county in the U.S., 1st in Virginia. 45% debt in collections, a Default & Legal domain ranked 3rd in the nation. The 47-point gap with neighboring Chesterfield reveals what Virginia's independent city structure concentrates.
"The Passage"
Dougherty County, Georgia ranks 7th of 3,144 on the County Distress Index, 1st in Georgia, with three credit indicators at the 99th percentile.
"The Shade"
Gadsden County records extreme county distress — 13th most distressed in America, 1st in Florida. Only majority-Black county in the state. 41% of residents carry debt in collections.
"The Drainage"
Pemiscot County records extreme county distress. Fourteenth most distressed in America, first in Missouri. 46% of residents have debt in collections.
"The Room"
Tunica County, MS records very high county distress — 16th of 3,144, 7th in Mississippi. Four casino closures since 2014 have left the county carrying the debt, with its Delinquency, Debt Burden, and Default & Legal domains all pressed against the ceiling.
"The Merger"
Bibb County (Macon-Bibb), GA records very high county distress — 26th of 3,144, 3rd in Georgia. Renter cost burden at the 98th percentile and debt in collections at the 99th despite a 2014 city-county merger.
"The Green"
Richmond County, GA records very high county distress — 4th of 159 in Georgia. Debt in collections at the 98th percentile, auto loan delinquency at the 98th. Home to Fort Eisenhower and Augusta National, one county line from $95,592 median income.
"The Yield"
Mitchell County, GA records very high county distress — 55th of 3,144, 7th in Georgia. Top peanut producer with $370 million in farm output and 3.8% unemployment, yet its Default & Legal domain ranks 12th in the nation. Full employment, crisis-level debt.
"The Record"
Harlan County, KY records very high county distress — 64th of 3,144, 7th in Kentucky. The most documented poor county in America. 27.3% disability rate at the 98th percentile, poverty at the 98th and median household income at the 99th. See the full five-domain breakdown.
"The Filing"
Russell County, AL scores 83.3 · very high county distress — 204th of 3,144 and 9th in Alabama in June 2026 — and its Default & Legal domain ranks 4th in the nation. 484 bankruptcy filings per 100,000 residents, roughly four times the national median. Nearly half of residents with a credit file carry debt in collections. Phenix City sits across the Chattahoochee River from Columbus, Georgia, where most of the county's working population commutes.
"The Gin"
Dunklin County, MO scores 81.9 · very high county distress, 105th of 3,144 U.S. counties, 3rd in Missouri. A legacy cotton and soybean economy in the Missouri Bootheel.
"The Rebuilding County"
Wayne County, MO records very high county distress — 129th of 3,144, 4th in Missouri. Its Safety Net & Buffer domain ranks 28th in the nation, with disability and household income at the 95th percentile and child poverty above the 93rd. 29.1% disability rate, 22.4% poverty, every domain distressed at once.
"The Extraction County"
Glades County, Florida records high county distress — more distressed than 89% of U.S. counties, 321st of 3,144. The largest employer is a detention center. There is no hospital. See the full five-domain breakdown.
"The Patron"
Duval County, TX records high county distress — 360th of 3,144, 34th in Texas. The county that changed American history with 87 votes. Poverty, child poverty, health coverage and median household income all at the 95th percentile, a Safety Net & Buffer domain ranked 5th in the nation. See the full five-domain breakdown.
"The Runway"
Lenoir County records moderate-high county distress — 19th most distressed in North Carolina. A Navy aviation facility and 3.8% unemployment exist five miles from the state’s most distressed census tract.
"The Irrigation"
Yakima County scores 66.7 · moderate-high county distress. Most distressed in Washington. Its Labor domain leads at 94.51 while the safety net holds debt near zero.
"The Bypass"
Quay County, New Mexico records moderate-high county distress — more distressed than 72% of U.S. counties, 14th in New Mexico. A town named for waiting, still waiting. See the full five-domain breakdown.
"The Seat"
DC records moderate-high county distress and leads the nation in FHA serious delinquency at 8.34%. Its Debt Burden domain at 76.42 sits 16 points above the composite. See the full five-domain breakdown.
"The Residual"
Lincoln County, Montana scores 55.8 · moderate county distress, 7th in Montana — masking a Labor domain at 92.41 and a Safety Net & Buffer domain at 79.65 against a Delinquency domain near the floor at 10.67. A vermiculite mine left a multi-decade asbestos health legacy; the clinic that tracked cases has closed.
"The Arithmetic"
Des Moines County, Iowa scores 54.7 · moderate county distress, 2nd in Iowa, 1,338th nationally. Burlington made backhoes for 87 years. The factory is closing. See the full breakdown.
"The Foundry"
Wallowa County, OR records moderate-low county distress — 1,639th of 3,144, 29th of 36 in Oregon. Unemployment at the 92nd percentile, debt in collections at the 7th. A county that learned not to borrow. Home of the WWII Memorial’s bronze.
"The Filter"
King County, Washington records low-moderate county distress — 2,195th of 3,144 U.S. counties, 35th of 39 in Washington. But its Debt Burden domain scores 74.52. See the full five-domain breakdown.
"The Hill"
Los Alamos County scores 5.7 · exceptionally low county distress — the single least distressed of 3,144 U.S. counties, last of 33 in New Mexico. A $5.28 billion federal laboratory in a state ranked last for child wellbeing.
Most Distressed Counties
Full rankings → 1
Washington County, MS Delinquency
93.1 2 Holmes County, MS Default & Legal
92.7 3 Petersburg city, VA Default & Legal
92.5 4 Coahoma County, MS Delinquency
92.1 5 Dallas County, AL Delinquency
91.9 6 Leflore County, MS Delinquency
91.8 7 Dougherty County, GA Default & Legal
91.8 8 Noxubee County, MS Default & Legal
91.0 9 Wilcox County, AL Default & Legal
90.9 10 East Carroll Parish, LA Labor
90.9 Browse by State
All 51 states →Louisiana
73.5 mean score
43 of 64 counties score high, very high, or extreme
Mississippi
71.5 mean score
45 of 82 counties score high, very high, or extreme
Florida
68.6 mean score
35 of 67 counties score high, very high, or extreme
South Carolina
66.8 mean score
21 of 46 counties score high, very high, or extreme
Kentucky
66.4 mean score
42 of 120 counties score high, very high, or extreme
Arkansas
65.9 mean score
28 of 75 counties score high, very high, or extreme
Alabama
65.6 mean score
28 of 67 counties score high, very high, or extreme
Arizona
65.1 mean score
4 of 15 counties score high, very high, or extreme
Georgia
64.6 mean score
60 of 159 counties score high, very high, or extreme
Oklahoma
63.4 mean score
27 of 77 counties score high, very high, or extreme
New Mexico
61.5 mean score
8 of 33 counties score high, very high, or extreme
District of Columbia
60.7 mean score
0 of 1 counties score high, very high, or extreme
Texas
59.5 mean score
54 of 254 counties score high, very high, or extreme
Delaware
59.2 mean score
0 of 3 counties score high, very high, or extreme
Nevada
57 mean score
3 of 17 counties score high, very high, or extreme
Latest Analysis
All articles →Research
What the Current Indicator-Pair Tests Show
Pair-specific results that survived every stage of the committed validation pipeline.
Analysis
The FHA Signal Thesis, Reframed
The question behind the FHA split: does financial stress show up first where borrower buffers are thinnest? What the evidence supports, and where it stops.
Analysis
Savings and Defaults Moved on Different Clocks
Household savings and later loan delinquency have moved on different clocks. What that historical lag shows about buffers, and what it cannot predict.
Analysis
The Two-Economy Problem in Credit Data
Headline credit numbers can improve while stress concentrates among borrowers with the thinnest buffers. The measurement argument behind the two-economy read.
Analysis
How the Historical Lead-Relationship Pipeline Works
The methodology behind American Default's historical lead-relationship tests: FDR correction, first-differencing, multi-crisis validation, Granger testing, and out-of-sample replication.
Analysis
Hardship Withdrawals Reveal a Liquidity Crisis
Why the rising rate of 401(k) hardship withdrawals signals household financial distress beyond what savings rate data captures.
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Free assessment →American Distress Index
43.8 TypicalOn average, its inputs sit higher than in 44% of their own quarterly histories.
The national composite tracking household financial distress across five dimensions.
Explore the ADI →County Distress Index
0 – 100 score per countyCounty ranks and score labels built from five equal-weighted distress domains.
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County scores, ADI updates, and indicator alerts — delivered when the numbers move.
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