Tate County, Mississippi
More than double the national median for auto loan delinquency.
Main Findings
Tate County, Mississippi is more distressed than 81% of U.S. counties on the County Distress Index. The driver: 13% of auto loan accounts are 60+ days past due — more than double the national median of 5%. Its highest-scoring domain is Delinquency and its lowest is Labor.
- 60th of 82 counties in Mississippi on the County Distress Index — 81 · very high county distress, more distressed than 81% of U.S. counties.
- 13% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 97th percentile nationally. Source: Urban Institute Debt in America (2025).
- Bankruptcy filing rate at 382 — national median 126, ranked at the 96th percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Uninsured rate at 11% — national median 8%, ranked at the 74th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Severe rent burden (50%+) at 23% — national median 18%, ranked at the 77th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Unemployment is 3%, near the national median of 4%, while auto loan delinquency runs at the 97th percentile. Jobs exist; wages don't close the gap.
Neighbors span three CDI score labels. The 44-point drop to Lafayette County marks where the Mississippi distress corridor ends.
Tate County has a very high county distress score. The domain table shows which local pressure carries the composite.
The CDI gives this county a very high county distress label. The five-domain profile shows which local pressures carry the score. Its highest-scoring domain is Delinquency.
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 Tate County's CDI Score
Every number traces to a public source. Tate County's value shown alongside MS's median and the U.S. median. Full CSV available for download.
| Indicator | Tate | MS median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 94 · Rank 107 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 13% | 10% | 5% | 97th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 10% | 9% | 5% | 95th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 36% | 38% | 23% | 89th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 82 · Rank 363 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 28% | 31% | 23% | 68th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 382 | 314 | 126 | 96th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 55 · Rank 1,270 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 19% | 22% | 21% | 34th | 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 | 23% | 19% | 18% | 77th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 53 · Rank 1,451 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% | 72nd | 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) | 4% | 4% | 4% | 34th | 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 59 · Rank 1,202 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 28% | 17% | 60th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 17% | 20% | 16% | 56th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 15% | 20% | 13% | 65th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 11% | 8% | 74th | 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 Tate County data.
Draft wire copy 130-word AP-style article — use freely with attribution
SENATOBIA, Miss. — Tate County is more distressed than 81% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Tate scores 81 out of 100, which means it is more distressed than 81% of U.S. counties; its score label is very high county distress. Within Mississippi, Tate ranks 60th of 82 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 Tate. 13% of auto loan accounts are 60+ days past due — more than double the national median of 5%.
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 Tate County's CDI score, and what does it mean?
What drives Tate County's distress score?
How does Tate County compare to its neighbors?
How is the County Distress Index calculated?
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