Bronx County, New York
4× the national median for rent-to-income ratio — and 6.2× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Bronx County, New York ranks 30th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 74% — more than double the national median of 21%.
- 30th of 3,144 counties on the County Distress Index — Most distressed fifth, 1st in New York.
- A rent-to-income ratio of 74% (U.S. median 21%). Rent-to-income ratio at the 100th percentile nationally.
- Unemployment at 6% — national median 4%, ranked at the 96th percentile.
- Credit card delinquency at 10% — national median 5%, ranked at the 96th percentile.
- Poverty rate at 28% — national median 14%, ranked at the 97th percentile.
Neighbors span three CDI distress fifths. The 24-point drop to Bergen County, NJ marks a cross-border distress gradient.
"Bronx County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Bronx County's uninsured rate indicator is at the 43rd percentile — while every other indicator in the safety_net_buffer domain sits at or above the 56th percentile. The gap stands out against child poverty rate and EITC % of returns. Worth a call to Urban Institute or a local credit counselor in Bronx.
36% of children under 18 in Bronx County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
The Indicators Behind Bronx County's CDI Score
Every number traces to a public source. Bronx County's value shown alongside NY's median and the U.S. median. Full CSV available for download.
| Indicator | Bronx | NY median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 93 · Rank 122 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 9% | 4% | 5% | 88th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 10% | 5% | 5% | 96th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 40% | 21% | 23% | 95th | Urban Institute (2024) |
| Default & Legal — domain score 62 · Rank 1,024 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 31% | 19% | 23% | 77th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 121 | 108 | 126 | 48th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 100 · Rank 2 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 74% | 23% | 21% | 100th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 33% | 23% | 18% | 99th | Census ACS 5-yr (2023) |
| Labor — domain score 96 · Rank 49 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 6% | 4% | 4% | 96th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 83 · Rank 289 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 36% | 18% | 18% | 96th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 16% | 15% | 16% | 56th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 28% | 14% | 14% | 97th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 37% | 26% | 27% | 89th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 7% | 4% | 8% | 43rd | Census ACS 5-yr (2023) |
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 is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. 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 CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Bronx County data — in under 60 seconds.
Draft wire copy 148-word AP-style article — use freely with attribution
BRONX, N.Y. — Bronx County ranks 30th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 87 out of 100 places Bronx in the most distressed fifth. Among 3,144 U.S. counties scored, only 29 rank more distressed. Within New York, Bronx ranks first of 62 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Bronx. A rent-to-income ratio of 74% — more than double the national median of 21%.
"Bronx County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Bronx County's CDI score, and what does it mean?
What drives Bronx County's distress score?
How does Bronx County compare to its neighbors?
How is the County Distress Index calculated?
Bronx County resident looking for help? HUD counselors, legal aid, and attorney referrals →