Appomattox County, Virginia

County Distress Index: Normal · 45.4 | 16,864 people · 84th most distressed in Virginia
American Default Research

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Appomattox County, VA falls within the normal range for household financial distress at 45.4 — 1878th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Virginia, it ranks 84th of 133 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Appomattox County's primary driver is Legal Distress at 87.2 — worse than roughly 87% of U.S. counties.

Legal Distress Primary driver 87.2
Bankruptcy Filing Rate 87
Economic Vitality 74.5
Wage-to-Rent Ratio 91
Rent-to-Income Ratio 58
Business Formation Rate 50
House Price Change (YoY) 86
Consumer Credit Distress 46.4
Debt in Collections 41
Medical Debt 14
Auto Loan Delinquency 51
Credit Card Delinquency 44
Uninsured Rate 56
Subprime Credit Population 67
Structural Poverty 45.9
Unemployment Rate 34
Poverty Rate 32
Income vs. State Median 51
Child Poverty Rate 39
Disability Rate 32
Transfer Income Dependency 70
Housing Cost Burden 17.0
Rent-Burdened (30%+) 11
Severely Rent-Burdened (50%+) 10
Mortgage-Burdened (30%+) 37
Homeownership Rate 32

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Appomattox County
Appomattox County, VA 45.4 Normal —
Buckingham County, VA 67.3 Serious +21.9
Prince Edward County, VA 66.7 Serious +21.3
Charlotte County, VA 61.4 Elevated +16.0
Amherst County, VA 58.5 Elevated +13.2
Campbell County, VA 43.6 Normal -1.8
Nelson County, VA 36.8 Normal -8.5

Population Peers

CountyScoreZonevs. Appomattox County
Beltrami County, MN 45.4 Normal +0.0
Osage County, KS 45.4 Normal +0.0
Chenango County, NY 45.3 Normal -0.0
Kittitas County, WA 45.3 Normal -0.0
Perry County, MO 45.3 Normal -0.1

Download Data

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

Find Help in Appomattox County

Find an Attorney

Virginia State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Virginia State Bar Lawyer Referral Service 1-800-552-7977

Free Legal Aid

Legal aid organizations serving Appomattox County residents at no cost.

Virginia Legal Aid Society 540-342-3900
Legal Aid Justice Center 434-977-0553
Legal Services of Northern Virginia 703-778-6800
Virginia Poverty Law Center 804-782-9430
Central Virginia Legal Aid Society 804-648-1012
Blue Ridge Legal Services, Inc. (866) 534-5243
Legal Aid Society of Eastern Virginia (757) 827-5078
Southwest Virginia Legal Aid Society, Inc. (888) 201-2772

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Appomattox County, Virginia?

    Appomattox County has a County Distress Index score of 45.4 out of 100, placing it in the Normal zone. It ranks 1,878th nationally out of 3,144 counties and 84th in Virginia out of 133 counties.

  • What drives financial distress in Appomattox County?

    The primary driver of distress in Appomattox County is Legal Distress, where the county scores 87.2 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Appomattox County compare to neighboring counties?

    Appomattox County (45.4) can be compared to its 6 neighboring counties: Buckingham County, VA (67.3); Prince Edward County, VA (66.7); Charlotte County, VA (61.4).

  • 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). Appomattox County's score of 45.4 sits in the Normal zone (46–55).

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

    Appomattox 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 Appomattox County?

    Appomattox County, Virginia has a population of approximately 16,864 (2023 Census estimate), classified as a small county.