Warren County, Virginia

County Distress Index: Normal · 38.2 | 41,843 people · 106th most distressed in Virginia
American Default Research

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Warren County, VA falls within the normal range for household financial distress at 38.2 — 2298th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Virginia, it ranks 106th of 133 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Warren County's primary driver is Legal Distress at 60.0 — above the national median.

Legal Distress Primary driver 60.0
Bankruptcy Filing Rate 60
Economic Vitality 50.8
Wage-to-Rent Ratio 80
Rent-to-Income Ratio 17
Business Formation Rate 36
House Price Change (YoY) 37
Housing Cost Burden 38.5
Rent-Burdened (30%+) 45
Severely Rent-Burdened (50%+) 23
Mortgage-Burdened (30%+) 66
Homeownership Rate 40
Consumer Credit Distress 37.2
Debt in Collections 28
Medical Debt 17
Auto Loan Delinquency 40
Credit Card Delinquency 33
Uninsured Rate 63
Subprime Credit Population 52
Structural Poverty 20.9
Unemployment Rate 34
Poverty Rate 15
Income vs. State Median 7
Child Poverty Rate 12
Disability Rate 40
Transfer Income Dependency 24

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Warren County
Warren County, VA 38.2 Normal —
Page County, VA 53.3 Elevated +15.0
Shenandoah County, VA 40.6 Normal +2.4
Frederick County, VA 37.4 Normal -0.8
Clarke County, VA 33.9 Healthy -4.3
Rappahannock County, VA 31.3 Healthy -6.9
Fauquier County, VA 28.9 Healthy -9.4

Population Peers

CountyScoreZonevs. Warren County
Harrison County, IN 38.3 Normal +0.0
Klickitat County, WA 38.1 Normal -0.1
Wayne County, IL 38.4 Normal +0.2
Marshall County, IN 38.0 Normal -0.2
DeKalb County, IN 38.4 Normal +0.2

Download Data

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

Find Help in Warren County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Warren County.

BLUE RIDGE HOUSING NETWORK
Front Royal
540-622-2711 Website
Financial CounselingFinancial CounselingHomeless/DisplacementPre-Purchase

See all counselors in Virginia →

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 Warren 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.

Need legal help? Find a foreclosure defense attorney in Virginia →

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Frequently Asked Questions

  • What is the distress score for Warren County, Virginia?

    Warren County has a County Distress Index score of 38.2 out of 100, placing it in the Normal zone. It ranks 2,298th nationally out of 3,144 counties and 106th in Virginia out of 133 counties.

  • What drives financial distress in Warren County?

    The primary driver of distress in Warren County is Legal Distress, where the county scores 60.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Warren County compare to neighboring counties?

    Warren County (38.2) can be compared to its 6 neighboring counties: Page County, VA (53.3); Shenandoah County, VA (40.6); Frederick County, VA (37.4).

  • 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 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). Warren County's score of 38.2 sits in the Normal zone (46–55).

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

    Warren 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 Warren County?

    Warren County, Virginia has a population of approximately 41,843 (2023 Census estimate), classified as a small county.