The 19 Most Distressed Cities Where Americans Are Struggling To Get By

stockton california distress

American households are under stress again, according to the latest consumer distress index by CredAbility.

“Despite the growth in jobs and an improved housing market, our index shows that the average U.S. household has seen little improvement in the past year and took a step back in 2013’s first quarter,” according to Phil Baldwin, CEO of CredAbility.

Baldwin is referring to the rise in payroll taxes at the start of the year, which has forced people to save more.

CredAbility adds that 49 million people are still on food stamps, and nearly 12 million are still unemployed.

American households on average scored 70.73% in the Q1 Consumer Distress Index, down from 71.77% in Q4. A reading below 70% indicates a state of financial distress. 

We pulled the 19 American metros that are most distressed.

Note: The report measures financial distress in households in metro areas with a population of over 2 million. CredAbility’s consumer distress index tracks the financial conditions of American household by measuring five categories: employment, housing, credit, household budgets, and net worth.

Sacramento--Arden-Arcade--Roseville, California

Total: 66.06%

Employment: 44.30%

Housing: 73.29%

Credit: 83.11%

Net worth: 64.51%

A score below 70% indicates distress, according to CredAbility.

Allentown-Bethlehem-Easton, Pennsylvania

Total: 65.95%

Employment: 53.60%

Housing: 69.09%

Credit: 84.55%

Net worth: 59.82%

A score below 70% indicates distress, according to CredAbility.

Greenville-Mauldin-Easley, South Carolina

Total: 65.90%

Employment: 65.54%

Housing: 67.03%

Credit: 84.91%

Net worth: 59.30%

A score below 70% indicates distress, according to CredAbility.

Atlanta-Sandy Springs-Marietta, Georgia

Total: 65.78%

Employment: 53.75%

Housing: 61.43%

Credit: 83.49%

Net worth: 63.79%

A score below 70% indicates distress, according to CredAbility.

Dayton, Ohio

Total: 65.68%

Employment: 55.30%

Housing: 69.40%

Credit: 81.71%

Net worth: 62.50%

A score below 70% indicates distress, according to CredAbility.

Chicago-Joliet-Naperville, Illinois

Total: 65.41%

Employment: 48.16%

Housing: 58.01%

Credit: 87.34%

Net worth: 64.99%

A score below 70% indicates distress, according to CredAbility.

Jacksonville, Florida

Total: 65.16%

Employment: 59.20%

Housing: 60.96%

Credit: 80.52%

Net worth: 62.46%

A score below 70% indicates distress, according to CredAbility.

North Port-Bradenton-Sarasota, Florida

Total: 64.88%

Employment: 57.04%

Housing: 57.14%

Credit: 83.12%

Net worth: 63.62%

A score below 70% indicates distress, according to CredAbility.

Greensboro-High Point, North Carolina

Total: 64.87%

Employment: 46.90%

Housing: 72.47%

Credit: 82.34%

Net worth: 61.77%

A score below 70% indicates distress, according to CredAbility.

Memphis, Tennessee

Total: 64.75%

Employment: 49.04%

Housing: 61.87%

Credit: 80.79%

Net worth: 67.04%

A score below 70% indicates distress, according to CredAbility.

Charlotte-Gastonia-Rock Hill, NC-SC

Total: 64.70%

Employment: 49.72%

Housing: 71.08%

Credit: 86.02%

Net worth: 56.96%

A score below 70% indicates distress, according to CredAbility.

Miami-Fort Lauderdale-Pompano Beach, Florida

Total: 64.30%

Employment: 52.71%

Housing: 51.90%

Credit: 83.32%

Net worth: 66.61%

A score below 70% indicates distress, according to CredAbility.

Tampa-St. Petersburg-Clearwater, Florida

Total: 64.14%

Employment: 55.77%

Housing: 58.55%

Credit: 82.96%

Net worth: 62.50%

A score below 70% indicates distress, according to CredAbility.

Bakersfield-Delano, California

Total: 63.66%

Employment: 31.03%

Housing: 72.14%

Credit: 82.46%

Net worth: 68.85%

A score below 70% indicates distress, according to CredAbility.

McAllen-Edinburg-Mission, Texas

Total: 63.54%

Employment: 40.65%

Housing: 70.01%

Credit: 77.63%

Net worth: 67.71%

A score below 70% indicates distress, according to CredAbility.

Fresno, California

Total: 62.12%

Employment: 27.81%

Housing: 66.27%

Credit: 80.89%

Net worth: 70.25%

A score below 70% indicates distress, according to CredAbility.

Riverside-San Bernardino-Ontario, California

Total: 62.08%

Employment: 39.05%

Housing: 63.90%

Credit: 80.57%

Net worth: 63.93%

A score below 70% indicates distress, according to CredAbility.

Orlando-Kissimmee-Sanford, Florida

Total: 62.04%

Employment: 58.10%

Housing: 47.89%

Credit: 81.36%

Net worth: 62.58%

A score below 70% indicates distress, according to CredAbility.

Las Vegas-Paradise, Nevada

Total: 61.47%

Employment: 42.28%

Housing: 47.51%

Credit: 85.05%

Net worth: 67.21%

A score below 70% indicates distress, according to CredAbility.

Now look at which cities have the highest foreclosure rate...

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