Monroe County, Missouri
Above the national median for adults 25-54 not working — and 13.1× the rate of the healthiest U.S. county (Thomas County, NE — 2%).
Main Findings
Monroe County, Missouri is more distressed than 36% of U.S. counties on the County Distress Index. Monroe sits near the national median across major distress indicators. Its highest-scoring domain is Labor and its lowest is Debt Burden (housing basis).
- 72nd of 115 counties in Missouri on the County Distress Index — 36 · low-moderate county distress, more distressed than 36% of U.S. counties.
- 26% of adults aged 25 to 54 are not working (U.S. median 21%). Adults 25-54 not working at the 79th percentile nationally. Source: U.S. Census Bureau, ACS 5-year (2024).
- Uninsured rate at 11% — national median 8%, ranked at the 70th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
- Auto loan delinquency at 10% — national median 5%, ranked at the 91st percentile. Source: Urban Institute Debt in America (2025).
- Default & Legal domain score 30 — weight 20.0% of the CDI composite. Source: American Default Research.
Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 91st percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 41-point drop to Ralls County marks where the Missouri distress corridor ends.
Monroe County has a low-moderate county distress score. The CDI reading is a county comparison, separate from national ADI bands.
The CDI gives this county a low-moderate county distress label. The label comes from the score, while the rank compares the county with the current national cross-section. Its highest-scoring domain is Labor.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to Urban Institute Debt in America (2025), Monroe County's credit card delinquency indicator is at the 5th percentile. American Default Research's CDI places every other indicator in the Delinquency domain at or above the 40th percentile. The gap stands out against auto loan delinquency. Worth a call to the source agency or a local subject-matter contact in Paris.
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 Monroe County's CDI Score
Every number traces to a public source. Monroe County's value shown alongside MO's median and the U.S. median. Full CSV available for download.
| Indicator | Monroe | MO median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 45 · Rank 1,731 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 6% | 5% | 91st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 2% | 5% | 5% | 5th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 21% | 24% | 23% | 40th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 30 · Rank 2,413 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 22% | 24% | 23% | 46th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 58 | 118 | 126 | 13th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 17 · Rank 2,872 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 18% | 20% | 21% | 22nd | 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 | 10% | 16% | 18% | 12th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 61 · Rank 1,138 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) | 26% | 22% | 21% | 79th | 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% | 43rd | 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 58 · Rank 1,271 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 17% | 18% | 17% | 50th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 18% | 17% | 16% | 66th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 12% | 14% | 13% | 43rd | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 10% | 8% | 70th | 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 Monroe County data.
Draft wire copy 122-word AP-style article — use freely with attribution
PARIS, Mo. — Monroe County is more distressed than 36% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Monroe scores 36 out of 100, which means it is more distressed than 36% of U.S. counties; its score label is low-moderate county distress. Within Missouri, Monroe ranks 72nd of 115 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, finds Monroe sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
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 Monroe County's CDI score, and what does it mean?
What drives Monroe County's distress score?
How does Monroe County compare to its neighbors?
How is the County Distress Index calculated?
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