Campbell County, Virginia

County Distress Index: Normal · 43.6 | 55,270 people · 87th most distressed in Virginia
American Default Research

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Campbell County, VA falls within the normal range for household financial distress at 43.6 — 1980th 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 87th of 133 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Campbell County's primary driver is Legal Distress at 80.8 — worse than roughly 81% of U.S. counties.

Legal Distress Primary driver 80.8
Bankruptcy Filing Rate 81
Economic Vitality 48.1
Wage-to-Rent Ratio 48
Rent-to-Income Ratio 44
Business Formation Rate 62
House Price Change (YoY) 31
Structural Poverty 43.1
Unemployment Rate 34
Poverty Rate 41
Income vs. State Median 33
Child Poverty Rate 50
Disability Rate 44
Transfer Income Dependency 55
Consumer Credit Distress 43.0
Debt in Collections 39
Medical Debt 14
Auto Loan Delinquency 62
Credit Card Delinquency 46
Uninsured Rate 18
Subprime Credit Population 58
Housing Cost Burden 30.7
Rent-Burdened (30%+) 27
Severely Rent-Burdened (50%+) 29
Mortgage-Burdened (30%+) 31
Homeownership Rate 44

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Campbell County
Campbell County, VA 43.6 Normal —
Halifax County, VA 66.5 Serious +22.9
Lynchburg city, VA 65.2 Serious +21.6
Charlotte County, VA 61.4 Elevated +17.8
Amherst County, VA 58.5 Elevated +15.0
Pittsylvania County, VA 54.7 Elevated +11.1
Appomattox County, VA 45.4 Normal +1.8
Bedford County, VA 38.6 Normal -5.0

Population Peers

CountyScoreZonevs. Campbell County
Watauga County, NC 43.6 Normal +0.1
Walla Walla County, WA 43.5 Normal -0.1
Calvert County, MD 43.6 Normal +0.1
Steuben County, NY 43.4 Normal -0.1
Wayne County, PA 43.4 Normal -0.2

Download Data

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

Find Help in Campbell 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 Campbell 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 Campbell County, Virginia?

    Campbell County has a County Distress Index score of 43.6 out of 100, placing it in the Normal zone. It ranks 1,980th nationally out of 3,144 counties and 87th in Virginia out of 133 counties.

  • What drives financial distress in Campbell County?

    The primary driver of distress in Campbell County is Legal Distress, where the county scores 80.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Campbell County compare to neighboring counties?

    Campbell County (43.6) can be compared to its 7 neighboring counties: Halifax County, VA (66.5); Lynchburg city, VA (65.2); 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). Campbell County's score of 43.6 sits in the Normal zone (46–55).

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

    Campbell 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 Campbell County?

    Campbell County, Virginia has a population of approximately 55,270 (2023 Census estimate), classified as a mid county.