Queen Anne's County, Maryland

County Distress Index: Normal · 36.4 | 52,508 people · 21st most distressed in Maryland
American Default Research

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Queen Anne's County, MD falls within the normal range for household financial distress at 36.4 — 2402nd 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 21st of 24 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Queen Anne's County's primary driver is Housing Cost Burden at 70.6 — above the national median.

Housing Cost Burden Primary driver 70.6
Rent-Burdened (30%+) 85
Severely Rent-Burdened (50%+) 76
Mortgage-Burdened (30%+) 89
Homeownership Rate 13
Economic Vitality 69.0
Wage-to-Rent Ratio 96
Rent-to-Income Ratio 37
Business Formation Rate 38
House Price Change (YoY) 88
Legal Distress 38.4
Bankruptcy Filing Rate 38
Consumer Credit Distress 21.6
Debt in Collections 19
Medical Debt 23
Auto Loan Delinquency 33
Credit Card Delinquency 20
Uninsured Rate 26
Subprime Credit Population 14
Structural Poverty 8.6
Unemployment Rate 19
Poverty Rate 3
Income vs. State Median 11
Child Poverty Rate 4
Disability Rate 7
Transfer Income Dependency 8

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Queen Anne's County
Queen Anne's County, MD 36.4 Normal —
Kent County, DE 71.4 Serious +35.0
Caroline County, MD 64.1 Elevated +27.7
Kent County, MD 46.4 Normal +10.1
Talbot County, MD 41.5 Normal +5.2
Anne Arundel County, MD 40.9 Normal +4.5

Population Peers

CountyScoreZonevs. Queen Anne's County
Gallatin County, MT 36.3 Normal -0.0
La Plata County, CO 36.4 Normal +0.1
Midland County, MI 36.3 Normal -0.1
Merrimack County, NH 36.2 Normal -0.1
Washington County, PA 36.2 Normal -0.1

Download Data

Export all distress indicators for Queen Anne's County as a CSV file.

Find Help in Queen Anne's County

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 Queen Anne's 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

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Frequently Asked Questions

  • What is the distress score for Queen Anne's County, Maryland?

    Queen Anne's County has a County Distress Index score of 36.4 out of 100, placing it in the Normal zone. It ranks 2,402nd nationally out of 3,144 counties and 21st in Maryland out of 24 counties.

  • What drives financial distress in Queen Anne's County?

    The primary driver of distress in Queen Anne's County is Housing Cost Burden, where the county scores 70.6 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Queen Anne's County compare to neighboring counties?

    Queen Anne's County (36.4) can be compared to its 5 neighboring counties: Kent County, DE (71.4); Caroline County, MD (64.1); Kent County, MD (46.4).

  • 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). Queen Anne's County's score of 36.4 sits in the Normal zone (46–55).

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

    Queen Anne's 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 Queen Anne's County?

    Queen Anne's County, Maryland has a population of approximately 52,508 (2023 Census estimate), classified as a mid county.