Granville County, North Carolina

County Distress Index: Elevated · 60.9 | 62,192 people · 43rd most distressed in North Carolina
American Default Research

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Granville County, NC registers elevated household financial distress with a score of 60.9 — 894th 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 43rd of 100 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Granville County's primary driver is Consumer Credit Distress at 74.4 — above the national median.

Consumer Credit Distress Primary driver 74.4
Debt in Collections 69
Medical Debt 47
Auto Loan Delinquency 91
Credit Card Delinquency 90
Uninsured Rate 66
Subprime Credit Population 75
Housing Cost Burden 59.3
Rent-Burdened (30%+) 56
Severely Rent-Burdened (50%+) 73
Mortgage-Burdened (30%+) 54
Homeownership Rate 38
Legal Distress 53.9
Bankruptcy Filing Rate 54
Economic Vitality 41.7
Wage-to-Rent Ratio 44
Rent-to-Income Ratio 37
Business Formation Rate 31
House Price Change (YoY) 69
Structural Poverty 33.3
Unemployment Rate 30
Poverty Rate 32
Income vs. State Median 16
Child Poverty Rate 39
Disability Rate 53
Transfer Income Dependency 35

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Granville County
Granville County, NC 60.9 Elevated —
Vance County, NC 82.3 Crisis +21.3
Person County, NC 68.5 Serious +7.6
Halifax County, VA 66.5 Serious +5.6
Franklin County, NC 63.9 Elevated +3.0
Mecklenburg County, VA 61.9 Elevated +1.0
Durham County, NC 54.3 Elevated -6.6
Wake County, NC 43.4 Normal -17.5

Population Peers

CountyScoreZonevs. Granville County
Creek County, OK 60.9 Elevated +0.0
Harnett County, NC 61.0 Elevated +0.0
Monroe County, FL 60.8 Elevated -0.1
Waller County, TX 60.8 Elevated -0.1
Kankakee County, IL 60.8 Elevated -0.1

Download Data

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

Find Help in Granville 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 Granville 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 Granville County, North Carolina?

    Granville County has a County Distress Index score of 60.9 out of 100, placing it in the Elevated zone. It ranks 894th nationally out of 3,144 counties and 43rd in North Carolina out of 100 counties.

  • What drives financial distress in Granville County?

    The primary driver of distress in Granville County is Consumer Credit Distress, where the county scores 74.4 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Granville County compare to neighboring counties?

    Granville County (60.9) can be compared to its 7 neighboring counties: Vance County, NC (82.3); 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). Granville County's score of 60.9 sits in the Elevated zone (55–71).

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

    Granville 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 Granville County?

    Granville County, North Carolina has a population of approximately 62,192 (2023 Census estimate), classified as a mid county.