Rock Island County, Illinois
Above the national median for unemployment — and 15.0× the rate of the healthiest U.S. county (Loving County, TX — 0%).
Main Findings
Rock Island County, Illinois ranks 1,051st most distressed in the United States on the County Distress Index. The driver: 4% of the labor force is unemployed — above the national median of 4%.
- 1,051st of 3,144 counties on the County Distress Index — Second-most distressed fifth, 17th in Illinois.
- 4% of the labor force is unemployed (U.S. median 4%). Unemployment at the 78th percentile nationally.
- Severe rent burden (50%+) at 22% — national median 18%, ranked at the 73rd percentile.
- Credit card delinquency at 7% — national median 5%, ranked at the 70th percentile.
- Child poverty rate at 21% — national median 18%, ranked at the 65th percentile.
Neighbors span three CDI distress fifths. The 21-point drop to Louisa County, IA marks a cross-border distress gradient.
"Rock Island County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
The Indicators Behind Rock Island County's CDI Score
Every number traces to a public source. Rock Island County's value shown alongside IL's median and the U.S. median. Full CSV available for download.
| Indicator | Rock Island | IL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 58 · Rank 1,294 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 4% | 5% | 55th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 5% | 5% | 70th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 23% | 21% | 23% | 48th | Urban Institute (2024) |
| Default & Legal — domain score 46 · Rank 1,738 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 24% | 19% | 23% | 53rd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 105 | 117 | 126 | 39th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 64 · Rank 941 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 22% | 18% | 21% | 55th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 17% | 18% | 73rd | Census ACS 5-yr (2023) |
| Labor — domain score 78 · Rank 657 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 78th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 51 · Rank 1,524 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 21% | 16% | 18% | 65th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 15% | 15% | 16% | 43rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 15% | 12% | 14% | 60th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 25% | 26% | 27% | 39th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 5% | 8% | 29th | 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 Rock Island County data — in under 60 seconds.
Draft wire copy 156-word AP-style article — use freely with attribution
ROCK ISLAND, Ill. — Rock Island County ranks 1,051st 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 59 out of 100 places Rock Island in the second-most distressed fifth. Among 3,144 U.S. counties scored, 1,050 counties rank more distressed. Within Illinois, Rock Island ranks 17th of 102 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 labor as the primary driver in Rock Island. 4% of the labor force is unemployed — above the national median of 4%.
"Rock Island County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," 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 Rock Island County's CDI score, and what does it mean?
What drives Rock Island County's distress score?
How does Rock Island County compare to its neighbors?
How is the County Distress Index calculated?
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