Fluvanna County, Virginia

County Distress Index: Normal · 36.8 | 28,462 people · 111th most distressed in Virginia
American Default Research

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Fluvanna County, VA falls within the normal range for household financial distress at 36.8 — 2376th nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within Virginia, it ranks 111th of 133 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Fluvanna County's primary driver is Economic Vitality at 82.6 — worse than roughly 83% of U.S. counties.

Economic Vitality Primary driver 82.6
Wage-to-Rent Ratio 95
Rent-to-Income Ratio 81
Business Formation Rate 48
House Price Change (YoY) 90
Legal Distress 64.9
Bankruptcy Filing Rate 65
Consumer Credit Distress 33.5
Debt in Collections 28
Medical Debt 14
Auto Loan Delinquency 51
Credit Card Delinquency 39
Uninsured Rate 44
Subprime Credit Population 28
Housing Cost Burden 29.5
Rent-Burdened (30%+) 15
Severely Rent-Burdened (50%+) 39
Mortgage-Burdened (30%+) 86
Homeownership Rate 1
Structural Poverty 14.2
Unemployment Rate 23
Poverty Rate 5
Income vs. State Median 9
Child Poverty Rate 8
Disability Rate 10
Transfer Income Dependency 26

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Fluvanna County
Fluvanna County, VA 36.8 Normal —
Buckingham County, VA 67.3 Serious +30.5
Cumberland County, VA 56.7 Elevated +19.9
Louisa County, VA 50.2 Elevated +13.4
Albemarle County, VA 34.4 Healthy -2.4
Goochland County, VA 17.9 Healthy -18.9

Population Peers

CountyScoreZonevs. Fluvanna County
Nelson County, VA 36.8 Normal +0.0
Morgan County, WV 36.7 Normal -0.1
Lavaca County, TX 36.7 Normal -0.1
Jersey County, IL 36.9 Normal +0.1
Warren County, PA 36.9 Normal +0.1

Download Data

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

Find Help in Fluvanna 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 Fluvanna 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 Fluvanna County, Virginia?

    Fluvanna County has a County Distress Index score of 36.8 out of 100, placing it in the Normal zone. It ranks 2,376th nationally out of 3,144 counties and 111th in Virginia out of 133 counties.

  • What drives financial distress in Fluvanna County?

    The primary driver of distress in Fluvanna County is Economic Vitality, where the county scores 82.6 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Fluvanna County compare to neighboring counties?

    Fluvanna County (36.8) can be compared to its 5 neighboring counties: Buckingham County, VA (67.3); Cumberland County, VA (56.7); Louisa County, VA (50.2).

  • 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). Fluvanna County's score of 36.8 sits in the Normal zone (46–55).

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

    Fluvanna 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 Fluvanna County?

    Fluvanna County, Virginia has a population of approximately 28,462 (2023 Census estimate), classified as a small county.