Cleveland County, North Carolina
Above the national median for auto loan delinquency.
Main Findings
Cleveland County, North Carolina ranks 615th most distressed in the United States on the County Distress Index. The driver: 10% of auto loan accounts are 60+ days past due — above the national median of 5%.
- 615th of 3,144 counties on the County Distress Index — Most distressed fifth, 24th in North Carolina.
- 10% of auto loan accounts are 60+ days past due (U.S. median 5%). Auto loan delinquency at the 92nd percentile nationally.
- Child poverty rate at 26% — national median 18%, ranked at the 82nd percentile.
- Unemployment at 4% — national median 4%, ranked at the 68th percentile.
- Debt in collections at 35% — national median 23%, ranked at the 87th percentile.
Unemployment is 4%, near the national median of 4%, while auto loan delinquency runs at the 92nd percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI distress fifths. The 30-point drop to Lincoln County marks where the North Carolina distress corridor ends.
"Cleveland 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."
The Indicators Behind Cleveland County's CDI Score
Every number traces to a public source. Cleveland County's value shown alongside NC's median and the U.S. median. Full CSV available for download.
| Indicator | Cleveland | NC median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 88 · Rank 296 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 7% | 5% | 92nd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 7% | 5% | 89th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 33% | 28% | 23% | 83rd | Urban Institute (2024) |
| Default & Legal — domain score 68 · Rank 800 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 35% | 27% | 23% | 87th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 124 | 87 | 126 | 49th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 40 · Rank 2,017 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 18% | 22% | 21% | 20th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 19% | 19% | 18% | 59th | Census ACS 5-yr (2023) |
| Labor — domain score 68 · Rank 999 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 3% | 4% | 68th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 73 · Rank 673 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 21% | 18% | 82nd | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 17% | 16% | 61st | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 17% | 15% | 14% | 74th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 33% | 30% | 27% | 79th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 10% | 8% | 67th | 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 Cleveland County data — in under 60 seconds.
Draft wire copy 148-word AP-style article — use freely with attribution
SHELBY, N.C. — Cleveland County ranks 615th 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 67 out of 100 places Cleveland in the most distressed fifth. Among 3,144 U.S. counties scored, 614 counties rank more distressed. Within North Carolina, Cleveland ranks 24th of 100 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 delinquency as the primary driver in Cleveland. 10% of auto loan accounts are 60+ days past due — above the national median of 5%.
"Cleveland 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 Cleveland County's CDI score, and what does it mean?
What drives Cleveland County's distress score?
How does Cleveland County compare to its neighbors?
How is the County Distress Index calculated?
Cleveland County resident looking for help? HUD counselors, legal aid, and attorney referrals →