Scotland County, North Carolina
More than double the national median for credit card delinquency.
Main Findings
Scotland County, North Carolina ranks 67th most distressed in the United States on the County Distress Index. The driver: 13% of credit card accounts are 60+ days past due — more than double the national median of 5%.
- 67th of 3,144 counties on the County Distress Index — Most distressed fifth, 3rd in North Carolina.
- 13% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 99th percentile nationally.
- Child poverty rate at 43% — national median 18%, ranked at the 99th percentile.
- Unemployment at 5% — national median 4%, ranked at the 80th percentile.
- Severe rent burden (50%+) at 23% — national median 18%, ranked at the 81st percentile.
Unemployment is 5%, near the national median of 4%, while credit card delinquency runs at the 99th percentile. Jobs exist; wages don't close the gap.
Neighbors all sit in the same CDI distress fifth. The 16-point drop to Hoke County shows the score gradient within that fifth.
"Scotland 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."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
43% of children under 18 in Scotland County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
The Indicators Behind Scotland County's CDI Score
Every number traces to a public source. Scotland County's value shown alongside NC's median and the U.S. median. Full CSV available for download.
| Indicator | Scotland | NC median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 97 · Rank 23 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 12% | 7% | 5% | 96th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 13% | 7% | 5% | 99th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 41% | 28% | 23% | 97th | Urban Institute (2024) |
| Default & Legal — domain score 73 · Rank 656 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 45% | 27% | 23% | 99th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 119 | 87 | 126 | 47th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 79 · Rank 445 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 24% | 22% | 21% | 76th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 23% | 19% | 18% | 81st | Census ACS 5-yr (2023) |
| Labor — domain score 80 · Rank 615 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 3% | 4% | 80th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 90 · Rank 65 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 43% | 21% | 18% | 99th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 18% | 17% | 16% | 68th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 29% | 15% | 14% | 98th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 39% | 30% | 27% | 92nd | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 12% | 10% | 8% | 76th | 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 Scotland County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
LAURINBURG, N.C. — Scotland County ranks 67th 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 84 out of 100 places Scotland in the most distressed fifth. Among 3,144 U.S. counties scored, 66 counties rank more distressed. Within North Carolina, Scotland ranks third 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 Scotland. 13% of credit card accounts are 60+ days past due — more than double the national median of 5%.
"Scotland 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 Scotland County's CDI score, and what does it mean?
What drives Scotland County's distress score?
How does Scotland County compare to its neighbors?
How is the County Distress Index calculated?
Scotland County resident looking for help? HUD counselors, legal aid, and attorney referrals →