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

The Drainage

Pemiscot County, Missouri

Crisis CDI Score 87.12 · 8th of 3,144 nationally · 14,613 people How the CDI is calculated →

· Annual refresh · next update early 2027

Ditch No. 70, a straight drainage canal cutting through flat farmland near Bragg City in Pemiscot County, Missouri.
Ditch No. 70, part of the Little River Drainage District that converted swamp to cotton country between 1907 and 1928. The drainage never stopped. Brian Stansberry / CC BY 4.0

Eighth most distressed county in America. First in Missouri. Population peaked at 46,857 in 1940. Fourteen thousand remain. The drainage never stopped.

What the CDI Says About Pemiscot County

  • 8th most distressed county in America — Pemiscot's composite County Distress Index score of 87.1 lands in the Crisis zone, ranking 8 of 3,144 counties nationally and 1 of 115 in Missouri.
  • 46.4% of residents have debt in collections — the 99th percentile nationally. Median collection: $1,619. Not overleveraged mortgages. Car repairs, ER visits, utility bills that got away.
  • Credit card delinquency at 12.9%, also the 99th percentile. Eighty-nine percent of bankruptcy filings are Chapter 7 liquidation. Chapter 13, the kind where you keep your house, accounts for 2 of 44 filings. Nothing left to reorganize.
  • Average weekly wage: $766, bottom 3.2% of U.S. counties. Unemployment is 4.8%. The labor market isn't failing — it's producing employment that can't sustain the people it employs. Poverty rate 27.4%. Child poverty 35.9%.
  • The Bootheel is a contiguous belt of distress. Every county bordering Pemiscot scores Serious or worse across three states. Population peaked at 46,857 in 1940. 14,613 remain.
Pemiscot County, Missouri ranks 8th of 3,144 U.S. counties on the County Distress Index. 46.4% of residents carry debt in collections, at a median of $1,619. Structural insolvency at the margins.
American Default Research · americandefault.org/counties/missouri/pemiscot-county-mo/
Ross Kilburn

Pemiscot is a drainage. The original one turned swamp into cotton country. The one running now turns cotton country into something that works without people. One of the ten most distressed counties in America has a 4.8% unemployment rate. People are working. The wages aren't enough.

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)

The swamp that became cotton country

Before 1907, Pemiscot County was swamp. Two million acres of bottomland along the Mississippi, flooded most of the year. The Meskwaki name for the place was pem-eskaw. Liquid mud.

The Little River Drainage District changed that. Incorporated in 1907, finished by 1928. Nearly a thousand miles of ditches. Three hundred miles of levees. Hundreds of thousands of acres of wetland converted to farmland. At the time, the largest drainage project in the history of the world.

Cotton moved in. By the 1920s, most farm operations in Pemiscot County were tenant-worked. The population reached 46,857 by 1940. Then the mechanical cotton harvester arrived, and the people who worked the fields became unnecessary.

The county has lost nearly 70% of its population since that peak. 14,613 remain.

Small debts, structural insolvency

Pemiscot County is a drainage. The original one turned swamp into cotton country. The one running now turns cotton country into something that works without people. Soybeans, corn, rice. The economy is still built on agriculture, highly mechanized, employing almost nobody relative to the acreage.

Here's what defines the place in the data. A CDI score of 87.1. Crisis zone. Eighth of 3,144 counties nationally. First in Missouri. But the number that matters most isn't the composite. It's the median debt in collections: $1,619.

Nearly half the county, 46.4%, has debt in collections. The 99th percentile nationally. The median amount is sixteen hundred dollars. Not overleveraged mortgages. Not credit card binges. A car repair. An ER visit. A utility bill that got away.

Credit card delinquency sits at 12.9%, also the 99th percentile. Eighty-nine percent of bankruptcies are Chapter 7, liquidation. Chapter 13, the kind where you keep your house, accounts for two of 44 filings. There is nothing left to reorganize.

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

The wages behind full employment

What compounds it is the wages. Unemployment is 4.8%. Not catastrophic. People are working. The average weekly wage is $766, bottom 3.2% of all U.S. counties.

The labor market isn't failing. It's producing employment that can't sustain the people it employs. Median household income is $42,080, roughly 75% of Missouri's median. Poverty rate: 27.4%, double the national average. Child poverty: 35.9%.

Housing looks manageable on paper. A two-bedroom apartment rents for $888 a month. Against a $42,080 income, that's still a quarter of gross earnings. Forty-nine percent of renters are cost-burdened. The rent is cheap. The denominator is the problem.

The hospital held, the casino opened

The institution that held is the hospital. Pemiscot Memorial Health Systems in Hayti, the county's only hospital, nearly closed multiple times. It lost more than $3 million in 2013. Obstetrics shut down the following year. Pregnant women now drive 20 to 70 miles to deliver. At least three babies have been born in the ER since.

In December 2025, Pemiscot Memorial converted to Rural Emergency Hospital status, a federal designation that increases Medicare reimbursements. The doors stayed open.

The same year, Century Casino opened a $51.9 million facility in Caruthersville. Five hundred ninety-nine slot machines. Seventy-four hotel rooms. The newest building in one of the most distressed counties in America is a casino.

In May 2022, Cargill announced a soybean processing plant near Caruthersville, one of its largest in North America, with 45 permanent jobs. In June 2023, Cargill put the project on hold, citing "shifting market dynamics." As of April 2026, no public indication it has resumed.

One line on the map, three states of distress

Every county bordering Pemiscot scores Serious or worse. Dunklin County to the north: 79.2. Mississippi County, Arkansas: 76.8. Lake County, Tennessee across the river: 71.8. New Madrid County: 70.1. Dyer County, Tennessee: 68.2. The Bootheel is a contiguous belt of distress stretching across three states.

The Bootheel itself exists because of one man. John Hardeman Walker, a landowner, lobbied Congress to draw 980 square miles of what would have been Arkansas Territory into Missouri so his holdings fell under Missouri law. Missouri entered the Union as a slave state. The line that defines the Bootheel's northern boundary, 36°30', is the Missouri Compromise line.

In January 1939, more than 1,500 sharecroppers, Black and white, camped along U.S. Highways 60 and 61 after landowners pocketed New Deal subsidies meant for tenants and evicted them. The demonstration produced the Delmo Homes program: 595 single-family houses across ten settlements. Six for white families. Four for Black.

Pemiscot County is 27.5% Black in a state that is 11.5% Black. The cotton economy shaped everything: the racial composition, the tenant farming structure, the poverty that mechanization locked in when it eliminated the work but not the people.

What stays when the drainage runs

CDI score: 87.1. Crisis zone. Eighth of 3,144 counties nationally. First of 115 in Missouri.

The Cargill decision, when it comes, will either be 45 jobs in a county of 14,613 or one more thing that drained away.

Pemiscot County Across the CDI's Five Domains

The CDI measures five domains of financial distress. Pemiscot County's primary driver is Consumer Credit Distress at 90.1, carrying 47.5% of the total weight. Four of five domains score above 80. Economic Vitality, at 62.9, is the only domain below Serious.

Structural Poverty Primary driver 91.2
Weight 13.6% · Rank 67 of 3,144 · Percentile 97.9
Legal Distress 91.1
Weight 7.4% · Rank 280 of 3,144 · Percentile 91.1
Consumer Credit Distress 90.1
Weight 47.5% · Rank 127 of 3,144 · Percentile 96.0
Housing Cost Burden 87.1
Weight 22.3% · Rank 202 of 3,144 · Percentile 93.6
Economic Vitality 62.9
Weight 9.2% · Rank 840 of 3,144 · Percentile 73.3
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%

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The Indicators Behind Pemiscot 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 87.1 / 100 (Crisis) CDI
National Rank 8th of 3,144 counties CDI
Structural Poverty 91.2 / 100 CDI
Consumer Credit Distress 90.1 / 100 CDI
Poverty Rate 27.4% (double national median) Census SAIPE 2023
Child Poverty Rate 35.9% Census SAIPE 2023
Debt in Collections 46.4% (98.8th percentile) Urban Institute 2024
Median debt in collections $1,619 Urban Institute 2024
Average weekly wage $766 (bottom 3.2% nationally) BLS QCEW 2024
Bankruptcy Filing Rate 301.1 per 100K (89% Chapter 7) US Courts 2025
Homeownership Rate 57.7% ACS 2023
SNAP Participation 32.3% (98.9th percentile) ACS 2023
Hospital status Rural Emergency Hospital (Dec 2025) KFVS12
Century Casino investment $51.9M facility (Nov 2024) PR Newswire
Population peak 46,857 (1940 Census) Census via Wikipedia
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 Pemiscot County's CDI Score

What is Pemiscot County's CDI score?

Pemiscot County scores 87.12 (Crisis zone) on the County Distress Index, ranking 8th most distressed of 3,144 U.S. counties and 1st of 115 counties in Missouri.

What drives distress in Pemiscot County?

Pemiscot County's primary driver is Structural Poverty, where the county scores 91.2 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 Pemiscot County sit on the national percentile?

Pemiscot County's CDI score of 87.12 puts it at the 99.8th percentile nationally — more distressed than roughly 100% of U.S. counties. See the full CDI methodology for how percentile ranks translate into the Crisis zone.

How often is Pemiscot 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 Pemiscot County, Missouri?

Pemiscot County has a County Distress Index score of 87.1 out of 100, placing it in the Crisis zone. It ranks 8th nationally out of 3,144 counties and 1st in Missouri out of 115 counties.

What drives financial distress in Pemiscot County?

The primary driver of distress in Pemiscot County is Structural Poverty, where the county scores 91.2 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

How does Pemiscot County compare to neighboring counties?

Pemiscot County (87.1) can be compared to its 5 neighboring counties: Dunklin County, MO (79.2); Mississippi County, AR (76.8); Lake County, TN (71.8).

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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