Caswell County, North Carolina

County Distress Index: Elevated · 61.3 | 22,807 people · 40th most distressed in North Carolina
American Default Research

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Caswell County, NC registers elevated household financial distress with a score of 61.3 — 866th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within North Carolina, it ranks 40th of 100 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Caswell County's primary driver is Consumer Credit Distress at 78.4 — worse than roughly 78% of U.S. counties.

Consumer Credit Distress Primary driver 78.4
Debt in Collections 76
Medical Debt 50
Auto Loan Delinquency 91
Credit Card Delinquency 95
Uninsured Rate 59
Subprime Credit Population 83
Structural Poverty 67.1
Unemployment Rate 38
Poverty Rate 70
Income vs. State Median 61
Child Poverty Rate 75
Disability Rate 81
Transfer Income Dependency 74
Housing Cost Burden 44.0
Rent-Burdened (30%+) 56
Severely Rent-Burdened (50%+) 36
Mortgage-Burdened (30%+) 33
Homeownership Rate 41
Economic Vitality 39.9
Wage-to-Rent Ratio 29
Rent-to-Income Ratio 30
Business Formation Rate 57
House Price Change (YoY) 94
Legal Distress 19.5
Bankruptcy Filing Rate 20

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Caswell County
Caswell County, NC 61.3 Elevated —
Danville city, VA 76.4 Serious +15.1
Person County, NC 68.5 Serious +7.2
Halifax County, VA 66.5 Serious +5.2
Rockingham County, NC 60.6 Elevated -0.7
Alamance County, NC 58.7 Elevated -2.6
Pittsylvania County, VA 54.7 Elevated -6.6
Orange County, NC 37.9 Normal -23.4

Population Peers

CountyScoreZonevs. Caswell County
Chilton County, AL 61.3 Elevated 0.0
Franklin County, IL 61.3 Elevated 0.0
Conway County, AR 61.3 Elevated -0.0
Summers County, WV 61.3 Elevated -0.0
Aransas County, TX 61.4 Elevated +0.0

Download Data

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

Find Help in Caswell 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 Caswell 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 Caswell County, North Carolina?

    Caswell County has a County Distress Index score of 61.3 out of 100, placing it in the Elevated zone. It ranks 866th nationally out of 3,144 counties and 40th in North Carolina out of 100 counties.

  • What drives financial distress in Caswell County?

    The primary driver of distress in Caswell County is Consumer Credit Distress, where the county scores 78.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Caswell County compare to neighboring counties?

    Caswell County (61.3) can be compared to its 7 neighboring counties: Danville city, VA (76.4); Person County, NC (68.5); Halifax County, VA (66.5).

  • 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 Elevated 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). Caswell County's score of 61.3 sits in the Elevated zone (55–71).

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

    Caswell 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 Caswell County?

    Caswell County, North Carolina has a population of approximately 22,807 (2023 Census estimate), classified as a small county.