Neshoba County, Mississippi

County Distress Index: Serious · 70.8 | 28,789 people · 38th most distressed in Mississippi
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Neshoba County, MS shows significant household financial distress with a score of 70.8 — 354th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Mississippi, it ranks 38th of 82 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Neshoba County's primary driver is Consumer Credit Distress at 88.2 — worse than roughly 88% of U.S. counties.

Consumer Credit Distress Primary driver 88.2
Debt in Collections 85
Medical Debt 58
Auto Loan Delinquency 99
Credit Card Delinquency 97
Uninsured Rate 81
Subprime Credit Population 97
Legal Distress 77.4
Bankruptcy Filing Rate 77
Structural Poverty 61.6
Unemployment Rate 23
Poverty Rate 87
Income vs. State Median 47
Child Poverty Rate 87
Disability Rate 66
Transfer Income Dependency 62
Housing Cost Burden 52.3
Rent-Burdened (30%+) 39
Severely Rent-Burdened (50%+) 80
Mortgage-Burdened (30%+) 11
Homeownership Rate 45
Economic Vitality 33.8
Wage-to-Rent Ratio 15
Rent-to-Income Ratio 44
Business Formation Rate 57
House Price Change (YoY) 55

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Neshoba County
Neshoba County, MS 70.8 Serious —
Lauderdale County, MS 76.5 Serious +5.8
Attala County, MS 74.2 Serious +3.5
Winston County, MS 74.1 Serious +3.3
Leake County, MS 71.5 Serious +0.8
Kemper County, MS 68.3 Serious -2.4
Newton County, MS 64.0 Elevated -6.8

Population Peers

CountyScoreZonevs. Neshoba County
Screven County, GA 70.8 Serious +0.0
Harlan County, KY 70.7 Serious -0.0
Pasquotank County, NC 70.7 Serious -0.0
Wayne County, KY 70.7 Serious -0.1
Union County, AR 70.7 Serious -0.1

Download Data

Export all distress indicators for Neshoba County as a CSV file.

Find Help in Neshoba County

Find an Attorney

Mississippi Bar Lawyer Referral offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Mississippi Bar Lawyer Referral 601-948-4471

Free Legal Aid

Legal aid organizations serving Neshoba County residents at no cost.

Mississippi Center for Legal Services 1-800-498-1804
North Mississippi Rural Legal Services 1-800-898-8731

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 Mississippi →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Neshoba County, Mississippi?

    Neshoba County has a County Distress Index score of 70.8 out of 100, placing it in the Serious zone. It ranks 354th nationally out of 3,144 counties and 38th in Mississippi out of 82 counties.

  • What drives financial distress in Neshoba County?

    The primary driver of distress in Neshoba County is Consumer Credit Distress, where the county scores 88.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Neshoba County compare to neighboring counties?

    Neshoba County (70.8) can be compared to its 6 neighboring counties: Lauderdale County, MS (76.5); Attala County, MS (74.2); Winston County, MS (74.1).

  • 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 Serious 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). Neshoba County's score of 70.8 sits in the Serious zone (71–86).

  • What data sources power Neshoba County's CDI score?

    Neshoba 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 Neshoba County?

    Neshoba County, Mississippi has a population of approximately 28,789 (2023 Census estimate), classified as a small county.