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Iowa · County Distress Index · 2026

The Arithmetic

Des Moines County, Iowa

Elevated CDI Score 62.63 · 793rd of 3,144 nationally · 38,253 people How the CDI is calculated →

· Annual refresh · next update early 2027

The Burlington, Iowa waterfront flooded after temporary barriers failed, June 2019.
Burlington’s waterfront after Mississippi River flooding breached temporary barriers, June 2019. The city has been losing population for two decades. Douglas W. Jones / CC0

Burlington made backhoes for 87 years. The plant closed. The arithmetic that held the county together stopped working.

What the CDI Says About Des Moines County

  • 793rd most distressed county in America, 2nd in Iowa — Des Moines County scores 62.63 on the American Default Research County Distress Index (CDI), out of 3,144 counties scored. Elevated zone.
  • 32.4% of renters spend more than half their income on housing — 99th percentile nationally. Only one in a hundred American counties has a worse severe-burden rate.
  • $1,063/month two-bedroom rent against a $1,014 average weekly wage. The housing isn't unaffordable. The paychecks are insufficient.
  • 81% of local bankruptcy filings are Chapter 7 liquidations — 52 of 64 in 2025. When four out of five bankruptcies are liquidations, the filers have nothing left to reorganize around.
  • CNH Industrial's Case Construction plant closes mid-2026. 209 jobs, after 87 years. The company saves $17 million a year on annual profits exceeding $2 billion.
Des Moines County, Iowa ranks 2nd in the state on the County Distress Index. 32.4% of renters spend more than half their income on housing — the 99th percentile nationally. The rent isn't the problem. The paycheck is.
American Default Research · americandefault.org/counties/iowa/des-moines-county-ia/
Ross Kilburn

The factory that built machines for constructing things is closing. The hospital that keeps people alive is the new anchor. The economy pivoted from making tools to managing consequences.

Ross Kilburn, Founder & Lead Analyst
American Default Research · 1,000+ short sales negotiated · Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013)

The town that made the tools

Burlington, Iowa made backhoes for 87 years. CNH Industrial's Case Construction plant opened in 1937 and became the anchor of the local economy. At peak, it employed roughly 2,000 people. The machines that came off the line dug the foundations for houses, shopping centers, highways. Tools for building things.

In November 2024, CNH announced the plant would close. By mid-2026, it will be gone. Two hundred nine jobs, the last ones left. The company saves $17 million a year on annual profits exceeding $2 billion.

The town that made the tools of construction is being taken apart by arithmetic.

Less than one percentage point

Mayor Jon Billups called it a pivot point. "We've had generations of people work at Case in Burlington, Iowa, so to lose them really is devastating news." Generations is the right word. Fathers, sons, grandsons on the same line. The kind of continuity that made a town feel permanent.

At a rally in November 2025, UAW President Shawn Fain put the math in public. "This company told us just last week that they're closing this plant because it'll save them just under $17 million dollars a year on an annual profit of over $2 billion dollars. For less than one percentage point of their profits, they want to dump an economic bomb on the Burlington community."

Less than one percentage point. That is the price of a town's largest private employer.

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The rent isn't the problem

Here's where the housing data becomes the story. Des Moines County's dominant CDI domain is Housing Cost Burden, scoring 88.24 out of 100. That sounds like a housing crisis. Look closer and it's stranger than that.

A two-bedroom apartment rents for $1,063 a month. That is not expensive. The median household income is $60,599, about 88% of the Iowa median. That is not destitute. On paper, the numbers work.

But 50.3% of renters spend more than 30% of their income on housing. That's the 93rd percentile nationally. And 32.4% spend more than half. The 99th percentile. Only one in a hundred American counties has a higher share of renters drowning in housing costs.

The housing isn't unaffordable. The wages are insufficient. Average weekly pay is $1,014. For the people at the median and below — the renters, the service workers, the people who didn't get the manufacturing wage — a thousand-dollar rent against a thousand-dollar paycheck is the math that doesn't close.

A regional outlier in a healthy state

Des Moines County is the second most distressed county in Iowa. That distinction matters because Iowa is healthy. The state's median CDI score is 31.9. Sixty-two of 99 counties score Healthy. Thirty score Normal. Only seven, including Des Moines County, reach Elevated. None reach Serious or Crisis.

Every county bordering Des Moines County is healthier. Lee County to the south, 47.73. Henry County to the northwest, 41.07. Louisa County to the north, 30.45 — less than half the score. Burlington concentrates the region's economic pain the way a river town concentrates the river. Everything collects here.

The debt numbers reflect it. A quarter of residents — 24.7% — carry debt in collections, median amount $2,299. Auto loan delinquency sits at the 69th percentile. Bankruptcy filings run 167 per 100,000 residents, with 81% filing Chapter 7 — liquidation. The ratio tells you something. When four out of five bankruptcies are liquidations, not reorganizations, the filers have nothing left to reorganize around.

From making tools to managing consequences

I've written enough of these to know that the place where the data gets quiet is often the place that matters most. Des Moines County's uninsured rate is 4.0%, the 8th percentile nationally. Almost nobody lacks coverage. Great River Health System operates three hospital campuses and employs 2,700 people. Healthcare is now the county's largest employment sector.

There's something in that. The factory that built machines for constructing things is closing. The hospital that keeps people alive is the new anchor. The economy pivoted from making tools to managing consequences.

Aldo Leopold was born in Burlington in 1887. He grew up on the bluffs above the Mississippi, watching birds, learning to see landscape as something alive. He went on to write A Sand County Almanac, the book that gave American conservation its ethical framework. His central argument: "We abuse land because we regard it as a commodity belonging to us. When we see land as a community to which we belong, we may begin to use it with love and respect."

Leopold was writing about soil and watersheds. But the principle scales. A factory belongs to a community until the quarterly math says otherwise. A workforce belongs to a town until the savings on the spreadsheet outweigh the cost of keeping it.

What Burlington rebuilds around next

Des Moines County scores 62.63. Elevated. The 793rd most distressed county in the United States, out of 3,144. Second in Iowa.

The Iowa Army Ammunition Plant still sits on 19,000 acres west of town. Established in 1941, it produced munitions through every American conflict since. It is also an EPA Superfund site. Business applications hit 330 in 2024, up 45% from 2019. The Greater Burlington Partnership just hired a regional workforce director. The Snake Alley brick road, built in 1894 up the bluff from the river, still twists through the old town. Things are being tried.

Burlington has been here before. It was Iowa's territorial capital in 1838, lost the designation two years later, rebuilt around the railroad, rebuilt around manufacturing, and now has to rebuild around whatever comes next. The town's most famous son spent his life arguing that a community is more than what it produces. The question is whether the economy agrees.

Des Moines County Across the CDI's Five Domains

The CDI measures five domains of financial distress. Des Moines County's primary driver is Housing Cost Burden (88.24) — not because rents are high, but because incomes are low relative to costs. All five domains score above the national median, with Legal Distress (65.49) and Structural Poverty (60.44) also elevated. Healthcare access remains strong: the uninsured rate sits at just the 8th percentile nationally.

Housing Cost Burden Primary driver 88.2
Weight 22.3% · Rank 168 of 3,144 · Percentile 94.7
Legal Distress 65.5
Weight 7.4% · Rank 1,086 of 3,144 · Percentile 65.5
Structural Poverty 60.4
Weight 13.6% · Rank 1,137 of 3,144 · Percentile 63.9
Consumer Credit Distress 53.3
Weight 47.5% · Rank 1,444 of 3,144 · Percentile 54.1
Economic Vitality 49.8
Weight 9.2% · Rank 1,571 of 3,144 · Percentile 50.0
Methodology & Weights

The County Distress Index uses principal component analysis to derive five factors from 21 indicators across 3,144 U.S. counties. Weights are proportional to each factor's share of explained variance.

Consumer Credit Distress 47.5%
Housing Cost Burden 22.3%
Structural Poverty 13.6%
Economic Vitality 9.2%
Legal Distress 7.4%

For Press & Research

Everything you need to cite Des Moines County data — in under 60 seconds.

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The Indicators Behind Des Moines County's CDI Score

Every number on this page traces to a public source. Full dataset available for download. Hover any metric name for its definition.

Metric Value Source
CDI Score 62.63 / 100 (Elevated) CDI
Housing Cost Burden 88.24 / 100 CDI
Renters spending 50%+ on housing 32.4% (99th percentile) ACS 2023
Renters spending 30%+ on housing 50.3% (93rd percentile) ACS 2023
Two-bedroom Fair Market Rent $1,063/month HUD FMR 2025
Average weekly wage $1,014 BLS QCEW 2024
Median Household Income $60,599 (88% of IA median) Census SAIPE 2023
Poverty Rate 14.3% (child: 20.9%) Census SAIPE 2023
Unemployment Rate 4.3% BLS LAUS Dec 2025
Debt in Collections 24.7% of population Urban Institute 2024
Median debt in collections $2,299 Urban Institute 2024
Auto Loan Delinquency 6.6% (69th percentile) Urban Institute 2024
Bankruptcy filings (2025) 64 total (167.3 per 100K) US Courts 2025
Chapter 7 share of filings 81.3% (52 of 64) US Courts 2025
Uninsured Rate 4.0% (8th percentile) ACS 2023
Business applications (2024) 330 (+45% from 2019) Census BFS
CNH Industrial plant closure 209 jobs, mid-2026 KWQC / KCRG
Data compiled April 17, 2026 from Urban Institute (Equifax debt panel), U.S. Census Bureau (ACS, SAIPE), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents.

Questions About Des Moines County's CDI Score

What is Des Moines County's CDI score?

Des Moines County scores 62.63 (Elevated zone) on the County Distress Index, ranking 793rd most distressed of 3,144 U.S. counties and 2nd of 99 counties in Iowa.

What drives distress in Des Moines County?

Des Moines County's primary driver is Housing Cost Burden, where the county scores 88.2 out of 100. The CDI uses PCA-weighted composite scoring across five domains; see the CDI methodology for the full factor weights and indicator list.

Where does Des Moines County sit on the national percentile?

Des Moines County's CDI score of 62.63 puts it at the 74.8th percentile nationally — more distressed than roughly 75% of U.S. counties. See the full CDI methodology for how percentile ranks translate into the Elevated zone.

How often is Des Moines County's CDI score updated?

Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows. Current data was compiled from releases in early 2026; next refresh is scheduled for early 2027.

What is the distress score for Des Moines County, Iowa?

Des Moines County has a County Distress Index score of 62.6 out of 100, placing it in the Elevated zone. It ranks 793rd nationally out of 3,144 counties and 2nd in Iowa out of 99 counties.

What drives financial distress in Des Moines County?

The primary driver of distress in Des Moines County is Housing Cost Burden, where the county scores 88.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

How does Des Moines County compare to neighboring counties?

Des Moines County (62.6) can be compared to its 5 neighboring counties: Lee County, IA (47.7); Henry County, IA (41.1); Henderson County, IL (40.8).

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.

Ross Kilburn
Written by

Ross Kilburn, Founder

American Default Research · Seattle, Washington

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Twice named to Puget Sound Business Journal Fast 50 for Ark Law Group. B.A., University of California, Berkeley, 1992. Founded American Default Research in 2026 to fill a gap in public data that had been empty since 2013.

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