Anne Arundel County, Maryland

County Distress Index: Normal · 40.9 | 594,582 people · 17th most distressed in Maryland
American Default Research

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Anne Arundel County, MD falls within the normal range for household financial distress at 40.9 — 2134th 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 Maryland, it ranks 17th of 24 counties. Among its 8 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Anne Arundel County's primary driver is Housing Cost Burden at 71.9 — above the national median.

Housing Cost Burden Primary driver 71.9
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 66
Mortgage-Burdened (30%+) 94
Homeownership Rate 47
Legal Distress 67.5
Bankruptcy Filing Rate 67
Economic Vitality 49.5
Wage-to-Rent Ratio 71
Rent-to-Income Ratio 29
Business Formation Rate 23
House Price Change (YoY) 55
Consumer Credit Distress 30.0
Debt in Collections 27
Medical Debt 23
Auto Loan Delinquency 34
Credit Card Delinquency 35
Uninsured Rate 13
Subprime Credit Population 36
Structural Poverty 7.9
Unemployment Rate 27
Poverty Rate 1
Income vs. State Median 9
Child Poverty Rate 3
Disability Rate 8
Transfer Income Dependency 4

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Anne Arundel County
Anne Arundel County, MD 40.9 Normal —
Baltimore city, MD 81.9 Crisis +41.0
Prince George's County, MD 73.5 Serious +32.6
Baltimore County, MD 62.6 Elevated +21.7
Kent County, MD 46.4 Normal +5.5
Calvert County, MD 43.6 Normal +2.7
Talbot County, MD 41.5 Normal +0.6
Queen Anne's County, MD 36.4 Normal -4.5
Howard County, MD 34.2 Healthy -6.7

Population Peers

CountyScoreZonevs. Anne Arundel County
Westchester County, NY 41.0 Normal +0.1
Snohomish County, WA 41.0 Normal +0.1
Larimer County, CO 40.7 Normal -0.2
St. Johns County, FL 40.7 Normal -0.2
Santa Cruz County, CA 41.1 Normal +0.3

Download Data

Export all distress indicators for Anne Arundel County as a CSV file.

Find Help in Anne Arundel County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Anne Arundel County.

ANNE ARUNDEL COUNTY COMMUNITY ACTION AGENCY, INCORPORATED
Annapolis
410-626-1900
Foreclosure PreventionFinancial CounselingFinancial CounselingPre-Purchase
ARUNDEL COMMUNITY DEVELOPMENT SERVICE INC
ANNAPOLIS
410-222-7612 Website
Foreclosure PreventionPost-PurchasePre-PurchaseHomebuyer Education

See all counselors in Maryland →

Find an Attorney

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

Maryland State Bar Association Lawyer Referral Service 410-685-7878

Free Legal Aid

Legal aid organizations serving Anne Arundel County residents at no cost.

Maryland Legal Aid 410-539-5340
Community Law Center (Baltimore) 410-366-0922
Maryland Volunteer Lawyers Service (MVLS) 410-539-6800
Civil Justice (Baltimore) 410-706-0900

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 Maryland →

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Frequently Asked Questions

  • What is the distress score for Anne Arundel County, Maryland?

    Anne Arundel County has a County Distress Index score of 40.9 out of 100, placing it in the Normal zone. It ranks 2,134th nationally out of 3,144 counties and 17th in Maryland out of 24 counties.

  • What drives financial distress in Anne Arundel County?

    The primary driver of distress in Anne Arundel County is Housing Cost Burden, where the county scores 71.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Anne Arundel County compare to neighboring counties?

    Anne Arundel County (40.9) can be compared to its 8 neighboring counties: Baltimore city, MD (81.9); Prince George's County, MD (73.5); Baltimore County, MD (62.6).

  • 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). Anne Arundel County's score of 40.9 sits in the Normal zone (46–55).

  • What data sources power Anne Arundel County's CDI score?

    Anne Arundel County'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 Anne Arundel County?

    Anne Arundel County, Maryland has a population of approximately 594,582 (2023 Census estimate), classified as a large county.