State Financial Distress Profiles
Household debt and delinquency data for all 50 states and DC, shown beside the U.S. figures. Each profile includes credit card, auto loan, and mortgage delinquency rates, total debt per adult with a credit file, and a foreclosure law summary.
Data: Federal Reserve Bank of New York Consumer Credit Panel / Equifax, Q4 2025 |
National Snapshot
The national American Distress Index reads 47.0 (Typical). The composite itself sits higher than 44% of all published quarters since 2005. A state's score is the share of the 50 states and D.C. it is more distressed than. Across the 51 jurisdictions, 16 score high, very high, or extreme. The state scores place states against each other; they do not say whether conditions are better or worse than in the past. State badges below show each state's distress score, rank, and score label.
State Distress Map
Click any state to view its full distress profile. State color reflects the state's distress score.
All State Profiles
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Reading the State Distress Index
Each state's score is the share of the other jurisdictions with a lower mean of 4 equal-weighted domains, built from input percentile ranks, rounded down: the share of the 50 states and D.C. the state is more distressed than. Rank #1 is the most distressed jurisdiction in the current state cross-section; states tie only on identical composites. Score labels translate the 0 to 100 score into plain-language distress ranges.