Hampton city, Virginia

County Distress Index: Serious · 77.1 | 137,098 people · 5th most distressed in Virginia
American Default Research

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Hampton city, VA shows significant household financial distress with a score of 77.1 — 125th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Virginia, it ranks 5th of 133 counties. Among its 7 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Hampton city's primary driver is Housing Cost Burden at 94.5 — worse than roughly 95% of U.S. counties.

Housing Cost Burden Primary driver 94.5
Rent-Burdened (30%+) 96
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 91
Homeownership Rate 96
Legal Distress 91.2
Bankruptcy Filing Rate 91
Consumer Credit Distress 75.0
Debt in Collections 81
Medical Debt 20
Auto Loan Delinquency 89
Credit Card Delinquency 93
Uninsured Rate 39
Subprime Credit Population 92
Economic Vitality 71.4
Wage-to-Rent Ratio 87
Rent-to-Income Ratio 96
Business Formation Rate 15
House Price Change (YoY) 28
Structural Poverty 52.1
Unemployment Rate 64
Poverty Rate 48
Income vs. State Median 40
Child Poverty Rate 55
Disability Rate 54
Transfer Income Dependency 57

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Hampton city
Hampton city, VA 77.1 Serious —
Portsmouth city, VA 81.9 Crisis +4.8
Norfolk city, VA 77.3 Serious +0.2
Newport News city, VA 75.3 Serious -1.8
Virginia Beach city, VA 55.5 Elevated -21.5
Northampton County, VA 52.6 Elevated -24.5
York County, VA 38.2 Normal -38.9
Poquoson city, VA 30.6 Healthy -46.5

Population Peers

CountyScoreZonevs. Hampton city
Floyd County, GA 77.0 Serious -0.1
Nacogdoches County, TX 77.0 Serious -0.1
Jefferson County, AR 77.0 Serious -0.1
Liberty County, TX 76.9 Serious -0.2
Carroll County, GA 76.9 Serious -0.2

Download Data

Export all distress indicators for Hampton city as a CSV file.

Find Help in Hampton city

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Hampton city.

HAMPTON REDEVELOPMENT AND HOUSING AUTHORITY
Hampton
757-727-1521
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in Virginia →

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 Hampton city 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.

Need legal help? Find a foreclosure defense attorney in Virginia →

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Frequently Asked Questions

  • What is the distress score for Hampton city, Virginia?

    Hampton city has a County Distress Index score of 77.1 out of 100, placing it in the Serious zone. It ranks 125th nationally out of 3,144 counties and 5th in Virginia out of 133 counties.

  • What drives financial distress in Hampton city?

    The primary driver of distress in Hampton city is Housing Cost Burden, where the county scores 94.5 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Hampton city compare to neighboring counties?

    Hampton city (77.1) can be compared to its 7 neighboring counties: Portsmouth city, VA (81.9); Norfolk city, VA (77.3); Newport News city, VA (75.3).

  • 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 Serious 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). Hampton city's score of 77.1 sits in the Serious zone (71–86).

  • What data sources power Hampton city's CDI score?

    Hampton city'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 Hampton city?

    Hampton city, Virginia has a population of approximately 137,098 (2023 Census estimate), classified as a mid county.