Camden County, North Carolina

County Distress Index: Healthy · 30.8 | 11,137 people · 100th most distressed in North Carolina
American Default Research

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Camden County, NC ranks among the least distressed counties in the country at 30.8 — 2717th nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within North Carolina, it ranks 100th of 100 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Camden County's primary driver is Economic Vitality at 60.5 — above the national median.

Economic Vitality Primary driver 60.5
Wage-to-Rent Ratio 83
Rent-to-Income Ratio 21
Business Formation Rate 56
House Price Change (YoY) 74
Housing Cost Burden 36.3
Rent-Burdened (30%+) 22
Severely Rent-Burdened (50%+) 47
Mortgage-Burdened (30%+) 95
Homeownership Rate 5
Consumer Credit Distress 30.1
Debt in Collections 35
Medical Debt 26
Auto Loan Delinquency 27
Credit Card Delinquency 22
Uninsured Rate 5
Subprime Credit Population 46
Structural Poverty 17.8
Unemployment Rate 16
Poverty Rate 7
Income vs. State Median 7
Child Poverty Rate 6
Disability Rate 37
Transfer Income Dependency 32
Legal Distress 5.0
Bankruptcy Filing Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Camden County
Camden County, NC 30.8 Healthy —
Pasquotank County, NC 70.7 Serious +40.0
Suffolk city, VA 63.4 Elevated +32.7
Gates County, NC 58.3 Elevated +27.6
Tyrrell County, NC 57.1 Elevated +26.4
Chesapeake city, VA 56.5 Elevated +25.7
Currituck County, NC 32.5 Healthy +1.8

Population Peers

CountyScoreZonevs. Camden County
Becker County, MN 30.7 Healthy -0.0
Marinette County, WI 30.8 Healthy +0.0
Pend Oreille County, WA 30.7 Healthy -0.1
Barron County, WI 30.8 Healthy +0.1
Franklin County, IN 30.7 Healthy -0.1

Download Data

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

Find Help in Camden County

Find an Attorney

North Carolina State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

North Carolina State Bar Lawyer Referral Service 1-800-662-7407

Free Legal Aid

Legal aid organizations serving Camden County residents at no cost.

Legal Aid of North Carolina 1-866-219-5262
Charlotte Center for Legal Advocacy 704-376-1600
NC Equal Access to Justice Commission
Duke Law School Community Enterprise Clinic

Self-Help Resources

NC Courts Self-Help Resources — Foreclosure Official NC court system resources for foreclosure proceedings and borrower rights
NCHFA Homeowner Resources Assistance programs, counselor referrals, and HAF information

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

Need legal help? Find a foreclosure defense attorney in North Carolina →

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Frequently Asked Questions

  • What is the distress score for Camden County, North Carolina?

    Camden County has a County Distress Index score of 30.8 out of 100, placing it in the Healthy zone. It ranks 2,717th nationally out of 3,144 counties and 100th in North Carolina out of 100 counties.

  • What drives financial distress in Camden County?

    The primary driver of distress in Camden County is Economic Vitality, where the county scores 60.5 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Camden County compare to neighboring counties?

    Camden County (30.8) can be compared to its 6 neighboring counties: Pasquotank County, NC (70.7); Suffolk city, VA (63.4); Gates County, NC (58.3).

  • 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 Healthy 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). Camden County's score of 30.8 sits in the Healthy zone (below 46).

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

    Camden 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 Camden County?

    Camden County, North Carolina has a population of approximately 11,137 (2023 Census estimate), classified as a small county.