Naugatuck Valley Planning Region, Connecticut

County Distress Index: Normal · 40.6 | 456,128 people · 7th most distressed in Connecticut
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Naugatuck Valley Planning Region, CT falls within the normal range for household financial distress at 40.6 — 2156th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Connecticut, it ranks 7th of 9 counties. Its strongest area is Legal Distress, where bankruptcy filing rates are below the national average.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Naugatuck Valley Planning Region's primary driver is Housing Cost Burden at 89.2 — worse than roughly 89% of U.S. counties.

Housing Cost Burden Primary driver 89.2
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 91
Mortgage-Burdened (30%+) 95
Homeownership Rate 78
Economic Vitality 68.8
Wage-to-Rent Ratio 80
Rent-to-Income Ratio 87
Business Formation Rate 37
House Price Change (YoY) 22
Structural Poverty 46.4
Unemployment Rate 74
Poverty Rate 32
Income vs. State Median 75
Child Poverty Rate 46
Disability Rate 33
Transfer Income Dependency 21
Consumer Credit Distress 16.2
Debt in Collections 15
Medical Debt 20
Auto Loan Delinquency 14
Credit Card Delinquency 24
Uninsured Rate 12
Subprime Credit Population 12
Legal Distress 5.1
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Population Peers

CountyScoreZonevs. Naugatuck Valley Planning Region
St. Johns County, FL 40.7 Normal +0.1
Larimer County, CO 40.7 Normal +0.1
Clackamas County, OR 40.4 Normal -0.2
Anne Arundel County, MD 40.9 Normal +0.3
Sonoma County, CA 40.2 Normal -0.4

Download Data

Export all distress indicators for Naugatuck Valley Planning Region as a CSV file.

Find Help in Naugatuck Valley Planning Region

Find an Attorney

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

Connecticut Bar Association — Lawyer Referral Service 860-223-4400

Free Legal Aid

Legal aid organizations serving Naugatuck Valley Planning Region residents at no cost.

Connecticut Legal Services (CLS) 1-800-453-3320 (statewide intake)
Greater Hartford Legal Aid 860-541-5000
New Haven Legal Assistance Association (NHLAA) 203-946-4811
Statewide Legal Services of Connecticut 1-800-453-3320

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

Need legal help? Find a foreclosure defense attorney in Connecticut →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Naugatuck Valley Planning Region, Connecticut?

    Naugatuck Valley Planning Region has a County Distress Index score of 40.6 out of 100, placing it in the Normal zone. It ranks 2,156th nationally out of 3,144 counties and 7th in Connecticut out of 9 counties.

  • What drives financial distress in Naugatuck Valley Planning Region?

    The primary driver of distress in Naugatuck Valley Planning Region is Housing Cost Burden, where the county scores 89.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Naugatuck Valley Planning Region compare to neighboring counties?

    Neighbor comparison data is not available for Naugatuck Valley Planning Region.

  • 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 Normal 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). Naugatuck Valley Planning Region's score of 40.6 sits in the Normal zone (46–55).

  • What data sources power Naugatuck Valley Planning Region's CDI score?

    Naugatuck Valley Planning Region'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 Naugatuck Valley Planning Region?

    Naugatuck Valley Planning Region, Connecticut has a population of approximately 456,128 (2023 Census estimate), classified as a large county.