Martinsville city, Virginia

County Distress Index: Serious · 76.7 | 13,763 people · 6th most distressed in Virginia
American Default Research

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Martinsville city, VA shows significant household financial distress with a score of 76.7 — 138th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Virginia, it ranks 6th of 133 counties. It scores higher than all 1 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Martinsville city's primary driver is Consumer Credit Distress at 81.8 — worse than roughly 82% of U.S. counties.

Consumer Credit Distress Primary driver 81.8
Debt in Collections 84
Medical Debt 55
Auto Loan Delinquency 93
Credit Card Delinquency 94
Uninsured Rate 55
Subprime Credit Population 87
Structural Poverty 80.2
Unemployment Rate 76
Poverty Rate 92
Income vs. State Median 95
Child Poverty Rate 90
Disability Rate 79
Transfer Income Dependency 55
Legal Distress 79.2
Bankruptcy Filing Rate 79
Housing Cost Burden 70.2
Rent-Burdened (30%+) 59
Severely Rent-Burdened (50%+) 85
Mortgage-Burdened (30%+) 18
Homeownership Rate 95
Economic Vitality 59.3
Wage-to-Rent Ratio 53
Rent-to-Income Ratio 78
Business Formation Rate 32
House Price Change (YoY) 90

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Martinsville city
Martinsville city, VA 76.7 Serious —
Henry County, VA 64.4 Elevated -12.3

Population Peers

CountyScoreZonevs. Martinsville city
Sumter County, AL 76.7 Serious +0.0
Worth County, GA 76.7 Serious +0.0
Terry County, TX 76.8 Serious +0.1
Bertie County, NC 76.6 Serious -0.1
Mississippi County, AR 76.8 Serious +0.1

Download Data

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

Find Help in Martinsville city

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 Martinsville 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

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Frequently Asked Questions

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

    Martinsville city has a County Distress Index score of 76.7 out of 100, placing it in the Serious zone. It ranks 138th nationally out of 3,144 counties and 6th in Virginia out of 133 counties.

  • What drives financial distress in Martinsville city?

    The primary driver of distress in Martinsville city is Consumer Credit Distress, where the county scores 81.8 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Martinsville city compare to neighboring counties?

    Martinsville city (76.7) can be compared to its 1 neighboring county: Henry County, VA (64.4).

  • 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). Martinsville city's score of 76.7 sits in the Serious zone (71–86).

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

    Martinsville 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 Martinsville city?

    Martinsville city, Virginia has a population of approximately 13,763 (2023 Census estimate), classified as a small county.