Andrew County, Missouri

County Distress Index: Normal · 35.2 | 18,127 people · 101st most distressed in Missouri
American Default Research

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Andrew County, MO falls within the normal range for household financial distress at 35.2 — 2466th nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within Missouri, it ranks 101st of 115 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Andrew County's primary driver is Economic Vitality at 62.7 — above the national median.

Economic Vitality Primary driver 62.7
Wage-to-Rent Ratio 86
Rent-to-Income Ratio 12
Business Formation Rate 75
House Price Change (YoY) 75
Legal Distress 55.1
Bankruptcy Filing Rate 55
Consumer Credit Distress 33.8
Debt in Collections 32
Medical Debt 44
Auto Loan Delinquency 45
Credit Card Delinquency 27
Uninsured Rate 29
Subprime Credit Population 27
Housing Cost Burden 33.6
Rent-Burdened (30%+) 50
Severely Rent-Burdened (50%+) 18
Mortgage-Burdened (30%+) 29
Homeownership Rate 35
Structural Poverty 12.9
Unemployment Rate 13
Poverty Rate 9
Income vs. State Median 8
Child Poverty Rate 10
Disability Rate 20
Transfer Income Dependency 17

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Andrew County
Andrew County, MO 35.2 Normal —
Buchanan County, MO 66.3 Serious +31.1
Doniphan County, KS 42.0 Normal +6.9
DeKalb County, MO 41.0 Normal +5.8
Nodaway County, MO 40.4 Normal +5.2
Gentry County, MO 35.7 Normal +0.6
Holt County, MO 29.6 Healthy -5.5

Population Peers

CountyScoreZonevs. Andrew County
Marquette County, WI 35.1 Normal -0.0
Green Lake County, WI 35.2 Normal +0.1
Tama County, IA 35.1 Normal -0.1
Marshall County, IA 35.3 Normal +0.1
Harvey County, KS 35.3 Normal +0.1

Download Data

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

Find Help in Andrew County

Find an Attorney

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

Missouri Bar — Lawyer Referral Service 573-635-4128

Free Legal Aid

Legal aid organizations serving Andrew County residents at no cost.

Legal Services of Eastern Missouri 314-534-4200 (St. Louis); 1-800-444-0514 (statewide hotline)
Legal Aid of Western Missouri 816-474-6750 (Kansas City); 1-800-748-2057 (statewide hotline)
Central Missouri Legal Services 573-442-0116
The Legal Aid and Defender Association (LAD) 816-474-6750
Legal Services of Southern Missouri (417) 881-1397
Mid-Missouri Legal Services Corporation (573) 442-0116

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Andrew County, Missouri?

    Andrew County has a County Distress Index score of 35.2 out of 100, placing it in the Normal zone. It ranks 2,466th nationally out of 3,144 counties and 101st in Missouri out of 115 counties.

  • What drives financial distress in Andrew County?

    The primary driver of distress in Andrew County is Economic Vitality, where the county scores 62.7 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Andrew County compare to neighboring counties?

    Andrew County (35.2) can be compared to its 6 neighboring counties: Buchanan County, MO (66.3); Doniphan County, KS (42.0); DeKalb County, MO (41.0).

  • 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). Andrew County's score of 35.2 sits in the Normal zone (46–55).

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

    Andrew 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 Andrew County?

    Andrew County, Missouri has a population of approximately 18,127 (2023 Census estimate), classified as a small county.