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#80 Top 100 Most Distressed Counties · County Distress Index · 2026

The Gin

Dunklin County, Missouri

Serious CDI Score 79.17 · 80th of 3,144 nationally · 27,032 people How the CDI is calculated →

· Annual refresh · next update early 2027

Courthouse square in Kennett, Missouri, 1942. The Cotton Exchange Bank is visible across the street.
Kennett courthouse square, July 1942. Arthur Rothstein / Library of Congress (Public Domain)

A county that produces $293 million in cotton and soybeans, exports four professional musicians from a single small town, and hasn’t had a hospital in nearly eight years. CDI 79.2, Serious zone, 80th of 3,144 counties. The gin separates what’s valuable from where it was grown.

What the CDI Says About Dunklin County

  • 80th most distressed county in America on the American Default Research County Distress Index (CDI) — CDI 79.2, Serious zone, 3rd of 115 in Missouri, behind only Pemiscot (87.1) and Mississippi County (82.0).
  • Consumer Credit Distress at 93.5 — 40.7% of residents have debt in collections at a median of $2,234. Student loan delinquency 28%. Credit card delinquency 10.2%. Small, compounding failures of people earning $703 a week.
  • $293 million produced, $45,570 received — Dunklin is Missouri's top cotton county and the 10th largest nationally (125,420 acres). Median household income sits at 81% of the state median. Poverty 23%, child poverty 29.1%.
  • No hospital since June 2018 — Twin Rivers Regional Medical Center closed 116 beds and roughly 275 jobs, an estimated $98 million annual hit. Three replacement proposals, eight years, zero hospitals opened. Nearest trauma center is 90+ minutes away.
  • 91% of bankruptcies are Chapter 7 — liquidation, not reorganization. Sixty-nine filings, 255.3 per 100K. The legal system itself operates as a gin, separating people from their remaining assets without putting anything back together.
Dunklin County, Missouri ranks 80th of 3,144 U.S. counties on the County Distress Index. $293 million in cotton and soybeans ships out every year. Median household income: $45,570. No hospital since 2018.
American Default Research · americandefault.org/counties/missouri/dunklin-county-mo/
Ross Kilburn

Dunklin is the county where the metaphor is mechanical. A drainage is passive, but a gin is a machine — someone feeds the raw material in, and someone collects what's valuable on the other side. For more than a century, the valuable part has been leaving Dunklin County while the county itself stays behind. Four in ten residents carry debt in collections. That's what the mechanism leaves behind.

Ross Kilburn, Founder & Lead Analyst
American Default Research · 1,000+ short sales negotiated · Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013)

What began in a cotton gin

The Greenbrier Companies railcar plant in Kennett, Missouri, began in a cotton gin. The company says so itself: "what began in a former cotton gin in Senath, MO, has grown into a thriving frame and parts plant." The building that once separated cotton fiber from seed now assembles railcar components. Two hundred seventy-five workers across three shifts.

In January 2026, Greenbrier filed a WARN Act notice. Ninety-four employees furloughed, starting in March. The building has been through three economic lives — growing cotton, ginning cotton, making railcar parts — and each transition employed fewer people than the last.

I wrote Pemiscot County, one county south of here, a few weeks ago. Pemiscot is the most distressed county in Missouri and among the worst in America, and its metaphor was drainage — wealth flowing out like water through engineered ditches. Dunklin County is different. A drainage is passive. A gin is a machine. Someone feeds the raw material in and someone collects what’s valuable on the other side. For more than a century, the valuable part has been leaving Dunklin County while the county itself stays behind.

The gap between production and income

Start with the raw material. Dunklin County is the top cotton producer in Missouri and the 10th largest nationally. The 2022 Census of Agriculture counted 125,420 acres of cotton, 94,605 acres of soybeans, 291 farms across 302,199 acres. The market value of products sold: $293 million, up 49% from 2017.

The people who live on that land earn a median household income of $45,570.

That gap — $293 million produced, $45,570 received — is the gin in its purest form. The land is enormously productive. The productivity accrues somewhere else. Three hundred million dollars’ worth of cotton and soybeans ship out every year. What stays is wages that put the county at 81% of Missouri’s median income, a poverty rate of 23%, and child poverty at 29.1%.

In 1923, someone tried to stop the gin. The Ely & Walker Shirt Factory opened on South Main Street in Kennett. Three stories of brick, heavy timber framing, expanded twice in the 1930s. The idea was vertical integration: grow the cotton here, make the shirts here, sell the shirts from here. At peak, 400 workers — primarily women, trained on-site using cloth scraps — produced 120 dozen pressed shirts a day.

Burlington Industries bought the factory in 1956. Closed it in the mid-1980s. The building is on the National Register of Historic Places now. A monument to the moment the gin could have stopped, and didn’t.

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The bank, the hospital, the pesticides

The Cotton Exchange Bank was established October 1, 1900, at 301 First Street, across from the courthouse. When a town’s bank is named for its dominant crop, the crop is the economy. Arthur Rothstein photographed the building in July 1942 for the Office of War Information — the courthouse square, the bank’s name visible, a "Remember Pearl Harbor" banner stretched across the facade. The bank merged into Commerce Bancshares in 1995. The name left. The cotton stayed.

Then the hospital. Twin Rivers Regional Medical Center was 116 beds, roughly 275 employees, and an estimated $98 million in annual economic impact. Community Health Systems closed it on June 11, 2018. Don Collins, the county’s presiding commissioner, did the math: "The dollar spends seven times before it lands when somebody gets their paycheck. So that’s roughly $98 million a year that the closure could impact our county."

Lee Ann Stuart had nursed there for 22 years. "It’s strange walking those halls," she said, "and they’re empty and the lights are down."

Eight years later, three different groups have announced replacement plans. None have opened a hospital. The first proposal was a $25 million, 49-bed facility. The Certificate of Need was approved, then sold to a holding company in Baton Rouge. The city rejected the new operators. As of 2026, the original Twin Rivers building is still standing — unused, considered a safety hazard — and the nearest trauma center is over 90 minutes away. Dr. Tim McPherson, who has practiced in Kennett for more than three decades, stayed through all of it. "If I were here for the money I would have left 31 years ago," he told reporters. "It’s about the people. It’s about a calling."

What’s left is a population with the highest pesticide exposure per square mile in the Bootheel, among the top 10 colorectal cancer rates in Missouri, and no hospital. Bobbi Bibbs, a Dunklin County resident with stage four colorectal cancer, told Investigate Midwest: "There are so many cases where we are from. Like, it’s got to be coming from somewhere."

Four musicians, one town, all gone

Four professional musicians came out of Kennett, a town of about 10,000. Sheryl Crow, born here in 1962, inducted into the Rock and Roll Hall of Fame in 2023. David Nail, Grammy-nominated country artist, born 1979. Trent Tomlinson, who co-wrote the RIAA Diamond-certified "In Case You Didn’t Know." And Limmie Pulliam, the son of a preacher, who sang gospel in his father’s church, was given a Pavarotti cassette by his high school music teacher, and made his Carnegie Hall debut at 47 after a decade away from singing. He went on to perform Radames in Aida at the Metropolitan Opera.

Pulliam’s piano teacher was Bernice Crow — Sheryl Crow’s mother. One household, connected to both a Rock and Roll Hall of Famer and an opera singer at the Met. The ecosystem is that small. The talent it produces is that outsized.

All four left. Crow and Nail live in Nashville. Pulliam performs internationally. Tomlinson writes hits in Tennessee. David Nail named his 2020 EP Bootheel 2020 and said, in an interview with CMT: "I think it’s forever in you." He is correct, in the way that the seed coat is forever part of the cotton plant. But the fiber is what goes to market.

Limmie Pulliam put it differently, after years of body-shaming rejections from opera companies nearly ended his career. "I am enough. My body size does not define me." That sentence could be spoken by the county itself. Whether anyone outside would believe it is another question.

What the data confirms

The data confirms the mechanism. Dunklin County’s CDI score is 79.2 out of 100. Serious zone. Eightieth of 3,144 counties nationally, third of 115 in Missouri. Behind Pemiscot (87.1, Crisis) and Mississippi County (79.2, Crisis).

The dominant domain is Consumer Credit Distress, scoring 93.5 out of 100. Four in ten residents — 40.7% — have debt in collections. The median amount: $2,234. Student loan delinquency is 28%. Credit card delinquency is 10.2%. Auto loan delinquency is 9.4%. These are not leveraged investments gone wrong. They are small, compounding failures of people earning $703 a week.

Structural Poverty scores 89.2. One in six residents is uninsured. One in four is on SNAP or has a disability. Poverty at 23%, child poverty at 29.1%, incomes at 81% of the state median.

Economic Vitality, at 69.1, reflects a labor market that functions but underpays. The unemployment rate is 4.5%. People are working. They are earning $36,543 a year.

Housing Cost Burden, at 44.3, is well below the national midpoint. A two-bedroom apartment rents for $888 a month. The housing is cheap. Everything else is the problem.

Bankruptcy tells the rest. Sixty-nine filings. Ninety-one percent Chapter 7 — liquidation. Not Chapter 13, where you reorganize and keep the house. Chapter 7, where you surrender what’s left and start over. The legal system itself as gin, separating people from their remaining assets without putting anything back together.

The gin has always been running

There is one counterforce. Acculevel, a foundation repair company, announced 41 jobs in Kennett in August 2025, at an average wage over $100,000. The local average is roughly $36,500. Forty-one jobs at nearly three times the prevailing rate, in a county that just lost 94 to furlough. I don’t know what that does to a place this small. It could be a seed of something. It could be another product that ships out — foundation repair crews deployed across the region, headquartered here for tax purposes, present in the data but not in the daily life of the town.

Dunklin County’s population peaked at 45,329 in 1950. It is now 27,002. The county has lost 40% of its people in three-quarters of a century — the sharpest drop in the 1950s and 1960s, when the mechanical cotton harvester arrived and the people who picked by hand became unnecessary. The gin that Eli Whitney patented in 1794 solved a production bottleneck and made cotton profitable at scale. The machine that was supposed to reduce the need for labor instead multiplied it, because profitable cotton was worth enslaving people over. Dunklin County’s cotton economy descends from that original gin. And the mechanism Whitney built into it has never stopped running.

Eighty-four years after Rothstein photographed the courthouse square, the courthouse still stands. The bank’s name is gone. The hospital is a safety hazard. The shirt factory is a historical monument. The cotton is still growing. Four hundred people once sewed shirts here. Two hundred seventy-five assembled railcar parts. Ninety-four of those were just furloughed. The gin has always been running. The question for the next data cycle is whether 41 foundation repair jobs paying $100,000 represent something it can’t separate — or just another kind of fiber, passing through.

Dunklin County Across the CDI's Five Domains

The CDI measures five domains of financial distress. Dunklin County’s dominant driver is Consumer Credit Distress at 93.5 — four in ten residents carry debt in collections. Structural Poverty (89.2) compounds the picture: high uninsured rates, high SNAP participation, and incomes at 81% of the state median. Legal Distress scores 86.0. Economic Vitality (69.1) reflects a labor market that functions but underpays. Housing Cost Burden (44.3) is well below the midpoint — the housing is cheap, but cheap housing in a county earning $36,543 a year is not the same as affordable housing.

Consumer Credit Distress Primary driver 93.5
Weight 47.5% · Rank 34 of 3,144 · Percentile 98.9
Structural Poverty 89.2
Weight 13.6% · Rank 116 of 3,144 · Percentile 96.3
Legal Distress 86.0
Weight 7.4% · Rank 441 of 3,144 · Percentile 86.0
Economic Vitality 69.1
Weight 9.2% · Rank 538 of 3,144 · Percentile 82.9
Housing Cost Burden 44.3
Weight 22.3% · Rank 1,767 of 3,144 · Percentile 43.8
Methodology & Weights

The County Distress Index uses principal component analysis to derive five factors from 21 indicators across 3,144 U.S. counties. Weights are proportional to each factor's share of explained variance.

Consumer Credit Distress 47.5%
Housing Cost Burden 22.3%
Structural Poverty 13.6%
Economic Vitality 9.2%
Legal Distress 7.4%

For Press & Research

Everything you need to cite Dunklin County data — in under 60 seconds.

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The Indicators Behind Dunklin County's CDI Score

Every number on this page traces to a public source. Full dataset available for download. Hover any metric name for its definition.

Metric Value Source
CDI Score 79.2 / 100 (Serious) CDI
National Rank 80th of 3,144 counties CDI
Consumer Credit Distress 93.5 / 100 CDI
Structural Poverty 89.2 / 100 CDI
Debt in Collections 40.7% of residents Urban Institute 2024
Median debt in collections $2,234 Urban Institute 2024
Poverty Rate 23.0% Census SAIPE 2023
Child Poverty Rate 29.1% Census SAIPE 2023
Average weekly wage $703 ($36,543/year) BLS QCEW 2024
Agricultural products sold (2022) $293 million USDA Census of Agriculture
Cotton acreage 125,420 acres (10th nationally) USDA Census of Agriculture
Hospital status Closed June 2018 — no replacement as of 2026 Side Effects Public Media
Bankruptcy Filing Rate 255.3 per 100K (91% Chapter 7) US Courts 2025
Population peak → current 45,329 (1950) → 27,002 (2024 est.) Census
Data compiled April 17, 2026 from Urban Institute (Equifax debt panel), U.S. Census Bureau (ACS, SAIPE), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents.

Questions About Dunklin County's CDI Score

What is Dunklin County's CDI score?

Dunklin County scores 79.17 (Serious zone) on the County Distress Index, ranking 80th most distressed of 3,144 U.S. counties and 3rd of 115 counties in Missouri.

What drives distress in Dunklin County?

Dunklin County's primary driver is Consumer Credit Distress, where the county scores 93.5 out of 100. The CDI uses PCA-weighted composite scoring across five domains; see the CDI methodology for the full factor weights and indicator list.

Where does Dunklin County sit on the national percentile?

Dunklin County's CDI score of 79.17 puts it at the 97.5th percentile nationally — more distressed than roughly 98% of U.S. counties. See the full CDI methodology for how percentile ranks translate into the Serious zone.

How often is Dunklin County's CDI score updated?

Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows. Current data was compiled from releases in early 2026; next refresh is scheduled for early 2027.

What is the distress score for Dunklin County, Missouri?

Dunklin County has a County Distress Index score of 79.2 out of 100, placing it in the Serious zone. It ranks 80th nationally out of 3,144 counties and 3rd in Missouri out of 115 counties.

What drives financial distress in Dunklin County?

The primary driver of distress in Dunklin County is Consumer Credit Distress, where the county scores 93.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

How does Dunklin County compare to neighboring counties?

Dunklin County (79.2) can be compared to its 8 neighboring counties: Pemiscot County, MO (87.1); Mississippi County, AR (76.8); Craighead County, AR (75.1).

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.

Ross Kilburn
Written by

Ross Kilburn, Founder

American Default Research · Seattle, Washington

Two decades working directly with financially distressed American households — from property preservation in 2003, to negotiating over 1,000 short sales during the Great Recession, to foreclosure defense marketing today. Author, The Ark Law Group Complete Guide to Short Sales (Auroch Press, 2013). Twice named to Puget Sound Business Journal Fast 50 for Ark Law Group. B.A., University of California, Berkeley, 1992. Founded American Default Research in 2026 to fill a gap in public data that had been empty since 2013.

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