Henrico County, Virginia

County Distress Index: Elevated · 55.5 | 334,760 people · 55th most distressed in Virginia
American Default Research

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Henrico County, VA registers elevated household financial distress with a score of 55.5 — 1240th 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 55th 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. Henrico County's primary driver is Legal Distress at 93.4 — worse than roughly 93% of U.S. counties.

Legal Distress Primary driver 93.4
Bankruptcy Filing Rate 93
Housing Cost Burden 83.7
Rent-Burdened (30%+) 93
Severely Rent-Burdened (50%+) 77
Mortgage-Burdened (30%+) 73
Homeownership Rate 85
Economic Vitality 55.2
Wage-to-Rent Ratio 72
Rent-to-Income Ratio 68
Business Formation Rate 3
House Price Change (YoY) 34
Consumer Credit Distress 48.1
Debt in Collections 39
Medical Debt 23
Auto Loan Delinquency 69
Credit Card Delinquency 53
Uninsured Rate 36
Subprime Credit Population 57
Structural Poverty 14.8
Unemployment Rate 34
Poverty Rate 16
Income vs. State Median 10
Child Poverty Rate 21
Disability Rate 12
Transfer Income Dependency 7

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Henrico County
Henrico County, VA 55.5 Elevated —
Richmond city, VA 72.5 Serious +17.0
Charles City County, VA 58.6 Elevated +3.1
Chesterfield County, VA 51.3 Elevated -4.2
New Kent County, VA 36.5 Normal -19.0
Hanover County, VA 32.8 Healthy -22.7
Powhatan County, VA 28.6 Healthy -26.9
Goochland County, VA 17.9 Healthy -37.5

Population Peers

CountyScoreZonevs. Henrico County
Charleston County, SC 55.5 Elevated +0.0
Knox County, TN 55.5 Elevated +0.0
Virginia Beach city, VA 55.5 Elevated +0.0
Mercer County, NJ 55.4 Elevated -0.1
Delaware County, PA 55.2 Elevated -0.3

Download Data

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

Find Help in Henrico County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Henrico County.

COMMONWEALTH CATHOLIC CHARITIES, RICHMOND,VA
Richmond
804-285-5900 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INCORPORATED
Richmond
804-354-0641 Website
Foreclosure PreventionMortgage HelpFinancial CounselingPost-Purchase
QUIN RIVERS, INC DBA Thrive Virginia
Henrico
804-362-6835 Website
Financial CounselingFinancial CounselingFair HousingHomeless/Displacement

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 Henrico 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.

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

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Frequently Asked Questions

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

    Henrico County has a County Distress Index score of 55.5 out of 100, placing it in the Elevated zone. It ranks 1,240th nationally out of 3,144 counties and 55th in Virginia out of 133 counties.

  • What drives financial distress in Henrico County?

    The primary driver of distress in Henrico County is Legal Distress, where the county scores 93.4 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Henrico County compare to neighboring counties?

    Henrico County (55.5) can be compared to its 7 neighboring counties: Richmond city, VA (72.5); Charles City County, VA (58.6); Chesterfield County, VA (51.3).

  • 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 Elevated 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). Henrico County's score of 55.5 sits in the Elevated zone (55–71).

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

    Henrico 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 Henrico County?

    Henrico County, Virginia has a population of approximately 334,760 (2023 Census estimate), classified as a large county.