Somerset County, Maryland
Above the national median for subprime credit share.
Main Findings
Somerset County, Maryland is more distressed than 90% of U.S. counties on the County Distress Index. The driver: 34% of residents carry subprime credit (score below 660) — above the national median of 23%. Its highest-scoring domain is Delinquency and its lowest is Safety Net & Buffer.
- 2nd of 24 counties in Maryland on the County Distress Index — 90 · extreme county distress, more distressed than 90% of U.S. counties.
- 34% of residents carry subprime credit (score below 660) (U.S. median 23%). Subprime credit share at the 86th percentile nationally. Source: Equifax data retrieved via FRED (2025).
- Debt in collections at 34% — national median 23%, ranked at the 83rd percentile. Source: Urban Institute Debt in America (2025).
- Rent-to-income ratio at 26% — national median 21%, ranked at the 87th percentile. Source: U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024).
- Unemployment (average of monthly rates) at 5% — national median 4%, ranked at the 77th percentile. Source: U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025).
Neighbors span three CDI score labels. The 38-point drop to Worcester County marks where the Maryland distress corridor ends.
Somerset County 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 Delinquency.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), Somerset County's uninsured rate indicator is at the 6th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 41st percentile. The gap stands out against child poverty rate and median household income. Worth a call to the source agency or a local subject-matter contact in Princess Anne.
According to U.S. Census Bureau, SAIPE (2024), 27% of children under 18 in Somerset County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 Somerset County's CDI Score
Every number traces to a public source. Somerset County's value shown alongside MD's median and the U.S. median. Full CSV available for download.
| Indicator | Somerset | MD median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 82 · Rank 462 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 5% | 5% | 81st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 5% | 5% | 80th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 34% | 21% | 23% | 86th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 81 · Rank 379 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 34% | 18% | 23% | 83rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 221 | 146 | 126 | 80th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 78 · Rank 469 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 26% | 21% | 21% | 87th | 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 | 21% | 23% | 18% | 69th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 73 · Rank 634 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) | 24% | 17% | 21% | 69th | 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% | 4% | 4% | 77th | 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 62 · Rank 1,117 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 27% | 12% | 17% | 87th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 15% | 12% | 16% | 41st | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 20% | 10% | 13% | 88th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 4% | 5% | 8% | 6th | 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 Somerset County data.
Draft wire copy 127-word AP-style article — use freely with attribution
PRINCESS ANNE, Md. — Somerset County is more distressed than 90% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Somerset scores 90 out of 100, which means it is more distressed than 90% of U.S. counties; its score label is extreme county distress. Within Maryland, Somerset ranks second of 24 counties.
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 delinquency as the primary driver in Somerset. 34% of residents carry subprime credit (score below 660) — above the national median of 23%.
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
What is Somerset County's CDI score, and what does it mean?
What drives Somerset County's distress score?
How does Somerset County compare to its neighbors?
How is the County Distress Index calculated?
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