Howard County, Arkansas
Above the national median for auto loan delinquency.
Main Findings
Howard County, Arkansas is more distressed than 90% of U.S. counties on the County Distress Index. The driver: 8% of auto loan accounts are 60+ days past due — above the national median of 5%. Its highest-scoring domain is Delinquency and its lowest is Default & Legal.
- 24th of 75 counties in Arkansas on the County Distress Index — 90 · extreme county distress, more distressed than 90% of U.S. counties.
- 8% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 83rd percentile nationally. Source: Urban Institute Debt in America (2025).
- Poverty rate at 18% — national median 13%, ranked at the 82nd percentile. Source: U.S. Census Bureau, SAIPE (2024).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 85th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
- Severe rent burden (50%+) at 22% — national median 18%, ranked at the 75th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Neighbors span four CDI score labels. The 27-point drop to Polk County marks where the Arkansas distress corridor ends.
Howard County has an extreme county distress score. The five-domain profile shows where local household pressure is most concentrated.
The CDI gives this county an extreme county distress label. The score is the plain-language signal; the national rank separately shows how the county compares with every other county-equivalent in the release. Its highest-scoring domain is Delinquency.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Howard County's CDI Score
Every number traces to a public source. Howard County's value shown alongside AR's median and the U.S. median. Full CSV available for download.
| Indicator | Howard | AR median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 82 · Rank 483 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 7% | 5% | 83rd | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 8% | 5% | 80th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 33% | 31% | 23% | 82nd | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 67 · Rank 851 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 35% | 32% | 23% | 87th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 120 | 214 | 126 | 47th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 68 · Rank 790 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 21% | 21% | 60th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 17% | 18% | 75th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 78 · Rank 492 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 24% | 27% | 21% | 71st | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 5% | 5% | 4% | 85th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 80 · Rank 392 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 24% | 24% | 17% | 80th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 20% | 22% | 16% | 82nd | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 18% | 18% | 13% | 82nd | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 8% | 8% | 66th | U.S. Census Bureau, ACS 5-year (2024) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Howard County data.
Draft wire copy 127-word AP-style article — use freely with attribution
NASHVILLE, Ark. — Howard County is more distressed than 90% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Howard scores 90 out of 100, which means it is more distressed than 90% of U.S. counties; its score label is extreme county distress. Within Arkansas, Howard ranks 24th of 75 counties.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies delinquency as the primary driver in Howard. 8% of auto loan accounts are 60+ days past due — above the national median of 5%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Howard County's CDI score, and what does it mean?
What drives Howard County's distress score?
How does Howard County compare to its neighbors?
How is the County Distress Index calculated?
Howard County resident looking for help? HUD counselors, legal aid, and attorney referrals →