Rappahannock County, Virginia
Near the national median for unemployment — and 10.7× the rate of the healthiest U.S. county (Loving County, TX — 0%).
Main Findings
Rappahannock County, Virginia ranks 2,642nd most distressed in the United States on the County Distress Index. Rappahannock sits near the national median across major distress indicators.
- 2,642nd of 3,144 counties on the County Distress Index — Least distressed fifth, 116th in Virginia.
- 3% of the labor force is unemployed (U.S. median 4%). Unemployment at the 35th percentile nationally.
- Bankruptcy filing rate at 148 — national median 126, ranked at the 59th percentile.
- Credit card delinquency at 6% — national median 5%, ranked at the 63rd percentile.
- Uninsured rate at 11% — national median 8%, ranked at the 69th percentile.
"Rappahannock County ranks in the least distressed fifth of U.S. counties. The CDI reading is a county comparison, separate from national ADI bands."
"The CDI places this county in the least distressed fifth nationally. The rank is a comparative geography measure across counties, not a national ADI band."
The Indicators Behind Rappahannock County's CDI Score
Every number traces to a public source. Rappahannock County's value shown alongside VA's median and the U.S. median. Full CSV available for download.
| Indicator | Rappahannock | VA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 30 · Rank 2,250 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 0% | 6% | 5% | 5th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 6% | 5% | 63rd | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 17% | 25% | 23% | 22nd | Urban Institute (2024) |
| Default & Legal — domain score 34 · Rank 2,262 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 12% | 22% | 23% | 8th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 148 | 177 | 126 | 59th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 30 · Rank 2,421 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 19% | 22% | 21% | 25th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 15% | 19% | 18% | 34th | Census ACS 5-yr (2023) |
| Labor — domain score 35 · Rank 2,082 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 35th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 22 · Rank 2,678 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 14% | 18% | 18% | 31st | 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 | 9% | 13% | 14% | 13th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 15% | 28% | 27% | 7th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 7% | 8% | 69th | 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 Rappahannock County data — in under 60 seconds.
Draft wire copy 146-word AP-style article — use freely with attribution
WASHINGTON, Va. — Rappahannock County ranks 2,642nd 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 30 out of 100 places Rappahannock in the least distressed fifth. Among 3,144 U.S. counties scored, 2,641 counties rank more distressed. Within Virginia, Rappahannock ranks 116th 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 Rappahannock sitting near the national median across major distress indicators, with no single domain emerging as a clear driver.
"Rappahannock County ranks in the least distressed fifth of U.S. counties. The CDI reading is a county comparison, separate from national ADI bands," 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
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