Davie County, North Carolina

County Distress Index: Normal · 40.0 | 44,599 people · 91st most distressed in North Carolina
American Default Research

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Davie County, NC falls within the normal range for household financial distress at 40.0 — 2192nd nationally out of 3144 counties. The primary driver is Economic Vitality, where employment and wage conditions show moderate stress. Within North Carolina, it ranks 91st of 100 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Davie County's primary driver is Economic Vitality at 52.0 — above the national median.

Economic Vitality Primary driver 52.0
Wage-to-Rent Ratio 75
Rent-to-Income Ratio 32
Business Formation Rate 31
House Price Change (YoY) 32
Consumer Credit Distress 44.7
Debt in Collections 36
Medical Debt 30
Auto Loan Delinquency 54
Credit Card Delinquency 52
Uninsured Rate 65
Subprime Credit Population 42
Housing Cost Burden 36.0
Rent-Burdened (30%+) 32
Severely Rent-Burdened (50%+) 50
Mortgage-Burdened (30%+) 46
Homeownership Rate 6
Structural Poverty 29.9
Unemployment Rate 30
Poverty Rate 18
Income vs. State Median 13
Child Poverty Rate 29
Disability Rate 65
Transfer Income Dependency 31
Legal Distress 26.1
Bankruptcy Filing Rate 26

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Davie County
Davie County, NC 40.0 Normal —
Rowan County, NC 61.2 Elevated +21.2
Forsyth County, NC 60.1 Elevated +20.1
Davidson County, NC 53.5 Elevated +13.4
Yadkin County, NC 51.2 Elevated +11.2
Iredell County, NC 45.2 Normal +5.2

Population Peers

CountyScoreZonevs. Davie County
Randolph County, IL 40.0 Normal -0.0
Schoharie County, NY 40.0 Normal +0.0
Fulton County, IL 40.0 Normal -0.0
Steuben County, IN 40.0 Normal -0.0
Douglas County, NV 39.9 Normal -0.1

Download Data

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

Find Help in Davie 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 Davie 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 Davie County, North Carolina?

    Davie County has a County Distress Index score of 40.0 out of 100, placing it in the Normal zone. It ranks 2,192nd nationally out of 3,144 counties and 91st in North Carolina out of 100 counties.

  • What drives financial distress in Davie County?

    The primary driver of distress in Davie County is Economic Vitality, where the county scores 52.0 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Davie County compare to neighboring counties?

    Davie County (40.0) can be compared to its 5 neighboring counties: Rowan County, NC (61.2); Forsyth County, NC (60.1); Davidson County, NC (53.5).

  • 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 Normal 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). Davie County's score of 40.0 sits in the Normal zone (46–55).

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

    Davie 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 Davie County?

    Davie County, North Carolina has a population of approximately 44,599 (2023 Census estimate), classified as a small county.