St. Bernard Parish, Louisiana
Above the national median for rent-to-income ratio — and 3.0× the rate of the healthiest U.S. county (Loving County, TX — 10%).
Main Findings
St. Bernard Parish, Louisiana ranks 70th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 31% — above the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis) and its lowest is Safety Net & Buffer.
- 70th of 3,144 counties on the County Distress Index — 97 · extreme county distress, more distressed than 97% of U.S. counties; 9th in Louisiana.
- A rent-to-income ratio of 31% (U.S. median 21%). Rent-to-income ratio at the 98th percentile nationally. Source: HUD FMR (FY2027); U.S. Census Bureau, SAIPE (2024).
- Credit card delinquency at 11% — national median 5%, ranked at the 97th percentile. Source: Urban Institute Debt in America (2025).
- Debt in collections at 39% — national median 23%, ranked at the 93rd percentile. Source: Urban Institute Debt in America (2025).
- Adults 25-54 not working at 25% — national median 21%, ranked at the 75th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Unemployment is 4%, near the national median of 4%, while credit card delinquency runs at the 97th percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI score labels. The 38-point drop to Plaquemines Parish marks where the Louisiana distress corridor ends.
St. Bernard Parish has an extreme county distress score. The five-domain profile shows where local household pressure is most concentrated.
The CDI gives this county an extreme county distress label. The score is the plain-language signal; the national rank separately shows how the county compares with every other county-equivalent in the release. Its highest-scoring domain is Debt Burden (housing basis).
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind St. Bernard Parish's CDI Score
Every number traces to a public source. St. Bernard Parish's value shown alongside LA's median and the U.S. median. Full CSV available for download.
| Indicator | St. Bernard Parish | LA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 95 · Rank 72 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 8% | 5% | 92nd | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 11% | 8% | 5% | 97th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 40% | 35% | 23% | 95th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 84 · Rank 302 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 39% | 34% | 23% | 93rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 198 | 225 | 126 | 74th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 96 · Rank 32 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 31% | 22% | 21% | 98th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 29% | 22% | 18% | 95th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 74 · Rank 616 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 25% | 27% | 21% | 75th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 5% | 5% | 4% | 73rd | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 71 · Rank 758 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 24% | 28% | 17% | 79th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 18% | 18% | 16% | 69th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 18% | 21% | 13% | 80th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 8% | 7% | 8% | 50th | U.S. Census Bureau, ACS 5-year (2024) |
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 scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite St. Bernard Parish data.
Draft wire copy 143-word AP-style article — use freely with attribution
CHALMETTE, La. — St. Bernard Parish ranks 70th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
St. Bernard Parish scores 97 out of 100, which means it is more distressed than 97% of U.S. counties; its score label is extreme county distress. Among 3,144 U.S. counties scored, 69 counties rank more distressed. Within Louisiana, St. Bernard Parish ranks ninth of 64 parishes.
The index, which draws on 14 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in St. Bernard Parish. A rent-to-income ratio of 31% — above the national median of 21%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
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