King William County, Virginia

County Distress Index: Normal · 49.3 | 19,030 people · 76th most distressed in Virginia
American Default Research

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King William County, VA falls within the normal range for household financial distress at 49.3 — 1621st 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 76th of 133 counties. Its score is in the middle of its 4 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. King William County's primary driver is Legal Distress at 92.0 — worse than roughly 92% of U.S. counties.

Legal Distress Primary driver 92.0
Bankruptcy Filing Rate 92
Economic Vitality 67.9
Wage-to-Rent Ratio 89
Rent-to-Income Ratio 63
Business Formation Rate 38
House Price Change (YoY) 28
Housing Cost Burden 51.8
Rent-Burdened (30%+) 67
Severely Rent-Burdened (50%+) 44
Mortgage-Burdened (30%+) 94
Homeownership Rate 5
Consumer Credit Distress 48.2
Debt in Collections 46
Medical Debt 25
Auto Loan Delinquency 41
Credit Card Delinquency 80
Uninsured Rate 13
Subprime Credit Population 58
Structural Poverty 13.0
Unemployment Rate 13
Poverty Rate 5
Income vs. State Median 8
Child Poverty Rate 6
Disability Rate 21
Transfer Income Dependency 21

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. King William County
King William County, VA 49.3 Normal —
King and Queen County, VA 55.2 Elevated +5.9
Caroline County, VA 55.2 Elevated +5.9
New Kent County, VA 36.5 Normal -12.7
Hanover County, VA 32.8 Healthy -16.4

Population Peers

CountyScoreZonevs. King William County
Grant County, AR 49.3 Normal -0.0
Barry County, MO 49.3 Normal -0.0
Marshall County, TN 49.3 Normal +0.0
East Feliciana Parish, LA 49.3 Normal +0.0
Greene County, PA 49.3 Normal +0.0

Download Data

Export all distress indicators for King William County as a CSV file.

Find Help in King William 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 King William 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 King William County, Virginia?

    King William County has a County Distress Index score of 49.3 out of 100, placing it in the Normal zone. It ranks 1,621st nationally out of 3,144 counties and 76th in Virginia out of 133 counties.

  • What drives financial distress in King William County?

    The primary driver of distress in King William County is Legal Distress, where the county scores 92.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does King William County compare to neighboring counties?

    King William County (49.3) can be compared to its 4 neighboring counties: King and Queen County, VA (55.2); Caroline County, VA (55.2); New Kent County, VA (36.5).

  • 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). King William County's score of 49.3 sits in the Normal zone (46–55).

  • What data sources power King William County's CDI score?

    King William 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 King William County?

    King William County, Virginia has a population of approximately 19,030 (2023 Census estimate), classified as a small county.