City risk detail
Debt and credit pressure in Horace, ND
Debt and credit pressure tracks how leveraged households are and how often credit stress shows up. Higher subprime share, delinquency, and revolving utilization indicate tighter credit access and greater reliance on borrowing.
Risk score
29
/ 100
Risk metrics
- Subprime share (score < 620)10.3%
- 90+ day delinquency rate11.0%
- Revolving utilization (75%+)21.2%
- Total debt per borrower$76,722
Data status: Available
Scope: Metro baseline | Source: CCE 2025 Q1 | 2025
Why it matters
In Horace, High credit pressure often aligns with more late payments, higher borrowing costs, and limited access to affordable credit.
What we measure
- Subprime share
- 90+ day delinquency rate
- Revolving utilization
- Total debt per borrower
Key sources
- Philadelphia Fed Consumer Credit Explorer (Equifax CCP)
Related risks
City overview →Household financial stress
Household financial stress reflects how close households are to the edge. It blends income, poverty exposure, housing cost burden, and safety-net reliance to show where families have less cushion for unexpected bills.
Cost of living exposure
Cost of living exposure focuses on housing costs relative to income. Rising rents, higher monthly housing costs, and elevated rent-to-income ratios can squeeze budgets even when incomes rise.
Legal and collection risk
Legal and collection risk uses civil court filings per capita and caseload trends to capture the legal environment. Higher civil filing rates can signal more collection activity and a more intense enforcement climate.