Financial distress, county by county.
3,144 U.S. counties scored across 21 economic indicators.
How stressed is your county?
641 counties in Serious or Crisis. See all rankings →
County Stories
All 3,144 counties →
"The Merger"
Macon and Bibb County merged their governments in 2014 after four failed attempts over eighty years. The promise was efficiency. A decade later the consolidated county ranks second in the nation for household financial distress. The administration unified. The condition it was supposed to address did not.
"The Room"
Tunica County built an economy out of rooms. Gaming floors, hotel towers, buffet halls, back-of-house corridors where 13,000 people used to clock in and out. Four casinos have closed since 2014. A hotel complex with more than a thousand bedrooms has stood empty the whole time. The county ranks third of 3,144 for household financial distress and it has 9,234 people left to fill what remains.
"The Line"
The fourth most distressed county in America sits inside the Richmond metro. Its nearest neighbor scores 37 points lower. The boundary is the mechanism.
"The Yield"
The top peanut county in Georgia produces $370 million in annual farm output as of 2019. Forty-two percent of its residents have debt in collections. The yield leaves. The cost stays.
"The Drainage"
Eighth most distressed county in America. First in Missouri. Population peaked at 46,857 in 1940. Fourteen thousand remain. The drainage never stopped.
"The Shade"
In 1896, someone discovered tobacco grown under cloth shade was worth ten times the price. The shade left. The county is still under it.
"The Gin"
A county that produces $293 million in cotton and soybeans, exports four professional musicians from a single small town, and hasn’t had a hospital in nearly eight years. CDI 79.2, Serious zone, 80th of 3,144 counties. The gin separates what’s valuable from where it was grown.
"The Rebuilding County"
Wayne County keeps being unmade. The town was drowned for a dam. The courthouse burned three times. A tornado killed six people in 2025. Each time, people rebuilt. The structural poverty score stayed first in Missouri.
"The Runway"
A Navy aviation facility and low unemployment exist five miles from the most distressed census tract in North Carolina.
"The Record"
The most documented poor county in America. Ninety-five years of songs, films, and television. The documentation changed nothing.
"The Extraction County"
Sugar, prisoners, clean water. Everything Glades County produces is for somewhere else. There is no hospital.
"The Patron"
George Parr ran Duval County for thirty-three years. They called him El Patron. He's been dead since 1975. The poverty he managed is still here, managed now by a different patron.
"The Arithmetic"
Burlington made backhoes for 87 years. The plant closed. The arithmetic that held the county together stopped working.
"The Irrigation"
Yakima County produces $2.3 billion in crops on Bureau of Reclamation water and sustains its workforce on Medicaid, SNAP, and a federally qualified health center network. Both irrigation systems are external. Both are politically vulnerable.
"The Fallow"
The county is writing an ordinance for what happens when vineyards die. Not buildings. Not businesses. The land itself.
"The Bypass"
The name Tucumcari likely derives from a Comanche word meaning ‘to lie in wait.’ The town that took that name is still waiting.
"The Seat"
The seat of federal power scores Elevated. Housing Cost Burden scores Serious. FHA borrowers are defaulting at the highest rate of any large-volume county in the country, eleven miles from the agency that insures their mortgages.
"The Residual"
A clinic screened thousands of patients for the disease a mine left in their lungs. The clinic just closed.
"The Foundry"
Three bronze foundries in a county of 7,674 people. Fifty-six percent national forest. The decisions about it are made in Portland.
"The Filter"
Housing Cost Burden scores 79.8. The composite reads Healthy. The price filter decides who gets counted.
"The Hill"
The second-least distressed of 3,144 counties. Twenty miles downhill, child poverty is in the 85th percentile. Prosperity doesn’t descend.
Most Distressed Counties
Full rankings → 1
Richmond County, GA Consumer Credit Distress
89.2 2 Bibb County, GA Legal Distress
88.7 3 Tunica County, MS Legal Distress
88.5 4 Petersburg city, VA Legal Distress
88.3 5 Clayton County, GA Legal Distress
88.0 6 Mitchell County, GA Consumer Credit Distress
87.7 7 Dougherty County, GA Legal Distress
87.3 8 Pemiscot County, MO Structural Poverty
87.1 9 Russell County, AL Legal Distress
86.5 10 Washington County, MS Consumer Credit Distress
86.1 Browse by State
All 51 states →Mississippi
69.9 mean score
56 of 82 counties Serious or Crisis
Georgia
68.7 mean score
107 of 159 counties Serious or Crisis
Louisiana
68 mean score
40 of 64 counties Serious or Crisis
South Carolina
65.7 mean score
25 of 46 counties Serious or Crisis
Florida
64.9 mean score
36 of 67 counties Serious or Crisis
Alabama
64.7 mean score
33 of 67 counties Serious or Crisis
Arkansas
64 mean score
35 of 75 counties Serious or Crisis
Delaware
60.4 mean score
1 of 3 counties Serious or Crisis
Texas
60.1 mean score
92 of 254 counties Serious or Crisis
Oklahoma
59.6 mean score
26 of 77 counties Serious or Crisis
Arizona
59.1 mean score
2 of 15 counties Serious or Crisis
Kentucky
58.7 mean score
29 of 120 counties Serious or Crisis
Tennessee
58.4 mean score
17 of 95 counties Serious or Crisis
North Carolina
58.2 mean score
31 of 100 counties Serious or Crisis
Nevada
55.7 mean score
3 of 17 counties Serious or Crisis
Latest Analysis
All articles →Research
What If We'd Been Watching Savings Instead of Delinquencies?
How the personal savings rate predicts debt delinquency 9 quarters in advance.
Analysis
Can a Distress Index Predict a Crisis It Never Saw?
The American Distress Index backtested across 84 quarters (2005-2025) correctly identifies the GFC crisis, COVID shock, and recovery periods. Quarter-by-quarter component analysis validates the five-component methodology.
Analysis
AI Displaced 140K Workers in 2025. Nobody Tracked the Defaults.
AI displacement is accelerating, but nobody is tracking what happens when displaced workers miss mortgage and debt payments. The occupations most exposed to AI overlap heavily with FHA borrowers and subprime cardholders.
Analysis
1 in 9 FHA Borrowers Are Behind on Payments
FHA delinquency reached 11.52% in Q4 2025 while conventional mortgages held at 1.78%. This 4x divergence mirrors the subprime-to-prime gap that preceded the 2008 crisis. The American Distress Index tracks it as a leading signal of broader mortgage distress.
Analysis
Household Distress Rose Every Quarter of 2025
A component-by-component breakdown of where household financial distress stands entering 2026: financial conditions tightening, buffer depletion reaccelerating, and a new tariff cost shock not yet in the data.
Analysis
1 in 17 Workers Raided Their 401(k) Last Year
Vanguard's 2026 data shows 401(k) hardship withdrawals hit 6.0%, triple the pre-pandemic rate. Combined with a 3.6% savings rate and rising debt service, this signals a household buffer crisis the ADI has been tracking.
For journalists & researchers
Use this data
Downloadable CSV, embeddable maps, full PCA methodology, and story angles for all 3,144 counties and 51 states.
Press & data kit → Behind on payments?
Get help now
Free assessment of your situation. HUD-approved counselors. Foreclosure guides for all 50 states. Step-by-step options.
Free assessment →American Distress Index
64.4 ElevatedThe national composite tracking household financial distress across five dimensions.
Explore the ADI →County Distress Index
0 – 100 score per county21 indicators across 3,144 counties, weighted by principal component analysis.
Methodology →Quarterly data drops. No spam.
County scores, ADI updates, and indicator alerts — delivered when the numbers move.
or Create an Account for full access
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.