This study examines the stress-illness relationship in a biracial group (African-American and Caucasian-American) of low-income women. Two personality constructs, hardiness and John Henryism, were studied for their possible moderating influences on the stress-illness relationship. One hundred women, with family incomes below the poverty line, completed questionnaires of stress, illness, hardiness, and John Henryism. Hierarchical regression models indicated that hardiness moderated the stress-illness relationship, with high stress, low hardy women having higher levels of illness. In addition, race also moderated the effect of stress, with high stress, Caucasian women having higher levels of illness. However, John Henryism had no effect on stress-related illness in these low-income women. Analyses of additional stress measures indicated that hardy women perceive their external environments as less stressful, although high and low hardy women have similar levels of network stress. Correlational analyses indicated that life-event stress, network stress and low-income concerns were all associated with illness scores. Thus, a range of stress measures are linked to physical illness in low-income women; furthermore, hardiness and being African-American both buffered the effects of stress on illness.