National Snapshot

3,144 counties scored across five domains. Click any zone to see the full list.

County Distress Map

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Healthy Normal Elevated Serious Crisis

All 3,144 counties colored by distress zone. Hover for details; click any county for full report.

Score Distribution

How 3,144 county distress scores are distributed across the 0–100 scale. The median county scores 50.1.

All Counties

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Rank County State Score Zone

Browse by State

Select a state to see county-level distress data, rankings, and maps.

AL 67

Alabama

Mean: 64.7 High: 86.5
AK 30

Alaska

Mean: 37.4 High: 55.5
AZ 15

Arizona

Mean: 59.0 High: 67.4
AR 75

Arkansas

Mean: 64.0 High: 85.8
CA 58

California

Mean: 50.5 High: 69.7
CO 64

Colorado

Mean: 41.5 High: 67.7
CT 9

Connecticut

Mean: 45.3 High: 59.4
DE 3

Delaware

Mean: 60.4 High: 71.4
DC 1

District of Columbia

Mean: 53.5 High: 53.5
FL 67

Florida

Mean: 64.9 High: 84.5
GA 159

Georgia

Mean: 68.7 High: 89.2
HI 5

Hawaii

Mean: 40.4 High: 46.1
ID 44

Idaho

Mean: 36.9 High: 56.8
IL 102

Illinois

Mean: 40.0 High: 61.5
IN 92

Indiana

Mean: 48.2 High: 73.0
IA 99

Iowa

Mean: 32.7 High: 64.5
KS 105

Kansas

Mean: 37.9 High: 75.9
KY 120

Kentucky

Mean: 58.7 High: 79.9
LA 64

Louisiana

Mean: 68.0 High: 82.9
ME 16

Maine

Mean: 42.9 High: 55.0
MD 24

Maryland

Mean: 52.0 High: 81.9
MA 14

Massachusetts

Mean: 44.2 High: 66.5
MI 83

Michigan

Mean: 45.0 High: 76.2
MN 87

Minnesota

Mean: 32.2 High: 48.0
MS 82

Mississippi

Mean: 69.9 High: 88.5
MO 115

Missouri

Mean: 50.1 High: 87.1
MT 56

Montana

Mean: 36.7 High: 66.2
NE 93

Nebraska

Mean: 32.0 High: 57.6
NV 17

Nevada

Mean: 55.7 High: 76.5
NH 10

New Hampshire

Mean: 40.4 High: 49.4
NJ 21

New Jersey

Mean: 51.9 High: 78.8
NM 33

New Mexico

Mean: 55.3 High: 72.7
NY 62

New York

Mean: 46.2 High: 79.7
NC 100

North Carolina

Mean: 58.1 High: 82.9
ND 53

North Dakota

Mean: 26.6 High: 57.1
OH 88

Ohio

Mean: 50.5 High: 72.3
OK 77

Oklahoma

Mean: 59.5 High: 77.0
OR 36

Oregon

Mean: 48.1 High: 66.4
PA 67

Pennsylvania

Mean: 44.9 High: 73.5
RI 5

Rhode Island

Mean: 40.6 High: 59.9
SC 46

South Carolina

Mean: 65.7 High: 81.1
SD 66

South Dakota

Mean: 28.7 High: 62.2
TN 95

Tennessee

Mean: 58.4 High: 81.3
TX 254

Texas

Mean: 60.1 High: 81.0
UT 29

Utah

Mean: 35.1 High: 53.3
VT 14

Vermont

Mean: 35.1 High: 43.3
VA 133

Virginia

Mean: 51.7 High: 88.3
WA 39

Washington

Mean: 40.6 High: 58.8
WV 55

West Virginia

Mean: 51.9 High: 70.5
WI 72

Wisconsin

Mean: 33.1 High: 75.4
WY 23

Wyoming

Mean: 36.3 High: 52.2

How County Scores Work

Each county is scored 0–100 using PCA-weighted percentile-rank scoring across five statistically derived dimensions: Consumer Credit Distress, Housing Cost Burden, Structural Poverty, Economic Vitality, and Legal Distress. A score of 50 means the county falls at the national median. Higher scores indicate greater household financial distress.

Crisis (≥80) — Among the most distressed counties in the country
Serious (65–80) — More distressed than roughly 80% of counties
Elevated (50–65) — More distressed than roughly half of counties
Normal (35–50) — Near the national median
Healthy (<35) — Less distressed than most counties

Frequently Asked Questions

What data sources are used for county distress scores?

County scores draw from 14 federal and nonprofit data sources: the Urban Institute and FRED/Equifax (debt delinquency, subprime credit), Bureau of Labor Statistics (unemployment, wages), Census Bureau (poverty, housing burden, business formation), HUD (fair market rents), Bureau of Economic Analysis (transfer income), FHFA (house prices), and U.S. Courts (bankruptcy filings). Each county is scored across 21 individual indicators grouped into five statistically derived dimensions.

How often are county scores updated?

County data is updated as new source data becomes available — typically monthly for employment and wages, annually for Census poverty and housing data. The composite scores are recomputed after each data update. New county detail pages are published weekly.

How do county scores differ from the national American Distress Index?

The national ADI tracks household financial distress over time using quarterly time-series data. County scores are cross-sectional — they compare counties to each other at a point in time using percentile-rank averaging. Both use a 0–100 scale with the same zone thresholds, but they measure different things: the ADI tracks trends, county scores compare places.

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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.