King William County, Virginia
More than double the national median for bankruptcy filing rate — and 42.5× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
King William County, Virginia ranks 1,959th most distressed in the United States on the County Distress Index. King William sits near the national median across major distress indicators.
- 1,959th of 3,144 counties on the County Distress Index — Second-least distressed fifth, 87th in Virginia.
- A bankruptcy filing rate of 310 (U.S. median 126). Bankruptcy filing rate at the 92nd percentile nationally.
- Credit card delinquency at 8% — national median 5%, ranked at the 80th percentile.
- Rent-to-income ratio at 23% — national median 21%, ranked at the 63rd percentile.
- Labor domain score 21 — weight 20.0% of the CDI composite.
Neighbors span three CDI distress fifths. The 30-point drop to Hanover County marks where the Virginia distress corridor ends.
"King William County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context."
"The CDI places this county in the second-least distressed fifth nationally. The rank still belongs in context with state position and the highest-scoring local domain."
The Indicators Behind King William County's CDI Score
Every number traces to a public source. King William County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | King William | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 60 · Rank 1,217 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 6% | 5% | 41st | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 6% | 5% | 80th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 25% | 25% | 23% | 58th | Urban Institute (2024) |
| Default & Legal — domain score 69 · Rank 764 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 22% | 22% | 23% | 46th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 310 | 177 | 126 | 92nd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 54 · Rank 1,371 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 22% | 21% | 63rd | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 17% | 19% | 18% | 44th | Census ACS 5-yr (2023) |
| Labor — domain score 21 · Rank 2,532 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 21st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 15 · Rank 2,905 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 9% | 18% | 18% | 6th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 13% | 15% | 16% | 21st | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 7% | 13% | 14% | 5th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 20% | 28% | 27% | 21st | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 5% | 7% | 8% | 13th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite King William County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
KING WILLIAM, Va. — King William County ranks 1,959th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 44 out of 100 places King William in the second-least distressed fifth. Among 3,144 U.S. counties scored, 1,958 counties rank more distressed. Within Virginia, King William ranks 87th of 133 counties and independent cities.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, finds King William sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"King William County ranks in the second-least distressed fifth of U.S. counties. The state rank and domain mix give the county-level context," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is King William County's CDI score, and what does it mean?
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How is the County Distress Index calculated?
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