Bullock County, Alabama

County Distress Index: Crisis · 82.5 | 9,897 people · 3rd most distressed in Alabama
American Default Research

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Bullock County, AL ranks among the most financially distressed counties in America with a score of 82.5 — 38th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Alabama, it ranks 3rd of 67 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Bullock County's primary driver is Legal Distress at 95.0 — worse than roughly 95% of U.S. counties.

Legal Distress Primary driver 95.0
Bankruptcy Filing Rate 95
Consumer Credit Distress 90.5
Debt in Collections 95
Medical Debt 71
Auto Loan Delinquency 95
Credit Card Delinquency 95
Uninsured Rate 81
Subprime Credit Population 95
Housing Cost Burden 84.9
Rent-Burdened (30%+) 71
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 93
Homeownership Rate 88
Structural Poverty 73.3
Unemployment Rate 5
Poverty Rate 95
Income vs. State Median 95
Child Poverty Rate 95
Disability Rate 46
Transfer Income Dependency 81
Economic Vitality 39.2
Wage-to-Rent Ratio 5
Rent-to-Income Ratio 83
Business Formation Rate 46
House Price Change (YoY) 67

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Bullock County
Bullock County, AL 82.5 Crisis —
Russell County, AL 86.5 Crisis +4.0
Pike County, AL 78.4 Serious -4.1
Montgomery County, AL 76.3 Serious -6.2
Macon County, AL 75.5 Serious -7.0
Barbour County, AL 72.1 Serious -10.4

Population Peers

CountyScoreZonevs. Bullock County
East Carroll Parish, LA 82.9 Crisis +0.4
Noxubee County, MS 83.5 Crisis +1.0
Wilkinson County, MS 81.5 Crisis -1.0
Lee County, AR 83.7 Crisis +1.2
Randolph County, GA 84.9 Crisis +2.4

Download Data

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

Find Help in Bullock County

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Alabama State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Alabama State Bar Lawyer Referral Service 1-800-392-5660

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Legal aid organizations serving Bullock County residents at no cost.

Legal Services Alabama 1-866-456-4995
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Frequently Asked Questions

  • What is the distress score for Bullock County, Alabama?

    Bullock County has a County Distress Index score of 82.5 out of 100, placing it in the Crisis zone. It ranks 38th nationally out of 3,144 counties and 3rd in Alabama out of 67 counties.

  • What drives financial distress in Bullock County?

    The primary driver of distress in Bullock County is Legal Distress, where the county scores 95.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Bullock County compare to neighboring counties?

    Bullock County (82.5) can be compared to its 5 neighboring counties: Russell County, AL (86.5); Pike County, AL (78.4); Montgomery County, AL (76.3).

  • 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 Crisis 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). Bullock County's score of 82.5 sits in the Crisis zone (86 and above).

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

    Bullock 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 Bullock County?

    Bullock County, Alabama has a population of approximately 9,897 (2023 Census estimate), classified as a tiny county.