Lonoke County, Arkansas

County Distress Index: Elevated · 56.1 | 75,944 people · 56th most distressed in Arkansas
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Lonoke County, AR registers elevated household financial distress with a score of 56.1 — 1197th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Arkansas, it ranks 56th of 75 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Lonoke County's primary driver is Legal Distress at 90.2 — worse than roughly 90% of U.S. counties.

Legal Distress Primary driver 90.2
Bankruptcy Filing Rate 90
Consumer Credit Distress 64.7
Debt in Collections 72
Medical Debt 50
Auto Loan Delinquency 58
Credit Card Delinquency 79
Uninsured Rate 37
Subprime Credit Population 71
Economic Vitality 63.4
Wage-to-Rent Ratio 85
Rent-to-Income Ratio 23
Business Formation Rate 55
House Price Change (YoY) 91
Housing Cost Burden 40.3
Rent-Burdened (30%+) 37
Severely Rent-Burdened (50%+) 31
Mortgage-Burdened (30%+) 68
Homeownership Rate 50
Structural Poverty 28.2
Unemployment Rate 45
Poverty Rate 17
Income vs. State Median 4
Child Poverty Rate 18
Disability Rate 53
Transfer Income Dependency 40

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Lonoke County
Lonoke County, AR 56.1 Elevated —
Jefferson County, AR 77.0 Serious +20.9
Pulaski County, AR 70.0 Serious +13.9
Arkansas County, AR 67.9 Serious +11.8
White County, AR 63.5 Elevated +7.4
Faulkner County, AR 63.0 Elevated +6.9
Prairie County, AR 50.5 Elevated -5.6

Population Peers

CountyScoreZonevs. Lonoke County
Pope County, AR 56.0 Elevated -0.1
Cullman County, AL 56.0 Elevated -0.1
Peoria County, IL 56.0 Elevated -0.1
Carbon County, PA 56.2 Elevated +0.1
Linn County, OR 55.9 Elevated -0.2

Download Data

Export all distress indicators for Lonoke County as a CSV file.

Find Help in Lonoke County

Find an Attorney

Arkansas Bar Association Lawyer Referral offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Arkansas Bar Association Lawyer Referral 1-800-609-5668

Free Legal Aid

Legal aid organizations serving Lonoke County residents at no cost.

Legal Aid of Arkansas 1-800-950-5817
Center for Arkansas Legal Services 1-800-950-5817

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Lonoke County, Arkansas?

    Lonoke County has a County Distress Index score of 56.1 out of 100, placing it in the Elevated zone. It ranks 1,197th nationally out of 3,144 counties and 56th in Arkansas out of 75 counties.

  • What drives financial distress in Lonoke County?

    The primary driver of distress in Lonoke County is Legal Distress, where the county scores 90.2 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Lonoke County compare to neighboring counties?

    Lonoke County (56.1) can be compared to its 6 neighboring counties: Jefferson County, AR (77.0); Pulaski County, AR (70.0); Arkansas County, AR (67.9).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Elevated zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Lonoke County's score of 56.1 sits in the Elevated zone (55–71).

  • What data sources power Lonoke County's CDI score?

    Lonoke County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Lonoke County?

    Lonoke County, Arkansas has a population of approximately 75,944 (2023 Census estimate), classified as a mid county.