Pulaski County, Arkansas
3× the national median for bankruptcy filing rate — and 50.0× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Pulaski County, Arkansas ranks 377th most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 365 — more than double the national median of 126.
- 377th of 3,144 counties on the County Distress Index — Most distressed fifth, 21st in Arkansas.
- A bankruptcy filing rate of 365 (U.S. median 126). Bankruptcy filing rate at the 95th percentile nationally.
- Auto loan delinquency at 10% — national median 5%, ranked at the 92nd percentile.
- Severe rent burden (50%+) at 22% — national median 18%, ranked at the 77th percentile.
- Unemployment at 4% — national median 4%, ranked at the 62nd percentile.
Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 92nd percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI distress fifths. The 44-point drop to Saline County marks where the Arkansas distress corridor ends.
"Pulaski County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
The Indicators Behind Pulaski County's CDI Score
Every number traces to a public source. Pulaski County's value shown alongside AR's median and the U.S. median. Full CSV available for download.
| Indicator | Pulaski | AR median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 85 · Rank 374 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 7% | 5% | 92nd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 8% | 5% | 81st | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 33% | 31% | 23% | 82nd | Urban Institute (2024) |
| Default & Legal — domain score 88 · Rank 184 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 33% | 32% | 23% | 82nd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 365 | 214 | 126 | 95th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 70 · Rank 737 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 22% | 21% | 62nd | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 17% | 18% | 77th | Census ACS 5-yr (2023) |
| Labor — domain score 62 · Rank 1,157 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 62nd | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 56 · Rank 1,342 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 24% | 24% | 18% | 76th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 16% | 22% | 16% | 48th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 18% | 14% | 66th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 20% | 34% | 27% | 22nd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 8% | 8% | 62nd | Census ACS 5-yr (2023) |
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 is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. 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 CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Pulaski County data — in under 60 seconds.
Draft wire copy 148-word AP-style article — use freely with attribution
LITTLE ROCK, Ark. — Pulaski County ranks 377th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 72 out of 100 places Pulaski in the most distressed fifth. Among 3,144 U.S. counties scored, 376 counties rank more distressed. Within Arkansas, Pulaski ranks 21st of 75 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Pulaski. A bankruptcy filing rate of 365 — more than double the national median of 126.
"Pulaski County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Pulaski County's CDI score, and what does it mean?
What drives Pulaski County's distress score?
How does Pulaski County compare to its neighbors?
How is the County Distress Index calculated?
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