Loudoun County, Virginia

County Distress Index: Healthy · 25.1 | 436,347 people · 130th most distressed in Virginia
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Loudoun County, VA ranks among the least distressed counties in the country at 25.1 — 2965th 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 130th of 133 counties. It scores lower than all 8 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Loudoun County's primary driver is Housing Cost Burden at 65.0 — above the national median.

Housing Cost Burden Primary driver 65.0
Rent-Burdened (30%+) 66
Severely Rent-Burdened (50%+) 71
Mortgage-Burdened (30%+) 92
Homeownership Rate 30
Economic Vitality 45.3
Wage-to-Rent Ratio 85
Rent-to-Income Ratio 4
Business Formation Rate 8
House Price Change (YoY) 42
Legal Distress 27.2
Bankruptcy Filing Rate 27
Consumer Credit Distress 8.0
Debt in Collections 1
Medical Debt 13
Auto Loan Delinquency 10
Credit Card Delinquency 7
Uninsured Rate 19
Subprime Credit Population 7
Structural Poverty 5.0
Unemployment Rate 30
Poverty Rate 1
Income vs. State Median 1
Child Poverty Rate 1
Disability Rate 1
Transfer Income Dependency 1

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Loudoun County
Loudoun County, VA 25.1 Healthy —
Washington County, MD 58.2 Elevated +33.1
Prince William County, VA 48.5 Normal +23.4
Montgomery County, MD 40.3 Normal +15.2
Frederick County, MD 38.8 Normal +13.7
Jefferson County, WV 36.8 Normal +11.7
Clarke County, VA 33.9 Healthy +8.8
Fairfax County, VA 30.0 Healthy +4.9
Fauquier County, VA 28.9 Healthy +3.8

Population Peers

CountyScoreZonevs. Loudoun County
Waukesha County, WI 25.3 Healthy +0.2
San Francisco County, CA 25.7 Healthy +0.6
Hamilton County, IN 24.2 Healthy -0.9
Johnson County, KS 27.1 Healthy +1.9
Morris County, NJ 27.4 Healthy +2.3

Download Data

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

Find Help in Loudoun 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 Loudoun 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 Loudoun County, Virginia?

    Loudoun County has a County Distress Index score of 25.1 out of 100, placing it in the Healthy zone. It ranks 2,965th nationally out of 3,144 counties and 130th in Virginia out of 133 counties.

  • What drives financial distress in Loudoun County?

    The primary driver of distress in Loudoun County is Housing Cost Burden, where the county scores 65.0 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Loudoun County compare to neighboring counties?

    Loudoun County (25.1) can be compared to its 8 neighboring counties: Washington County, MD (58.2); Prince William County, VA (48.5); Montgomery County, MD (40.3).

  • 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 Healthy 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). Loudoun County's score of 25.1 sits in the Healthy zone (below 46).

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

    Loudoun 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 Loudoun County?

    Loudoun County, Virginia has a population of approximately 436,347 (2023 Census estimate), classified as a large county.