Gulf County, Florida
Above the national median for rent-to-income ratio — and 2.5× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Gulf County, Florida ranks 782nd most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 31% — above the national median of 21%.
- 782nd of 3,144 counties on the County Distress Index — Second-most distressed fifth, 50th in Florida.
- A rent-to-income ratio of 31% (U.S. median 21%). Rent-to-income ratio at the 95th percentile nationally.
- Unemployment at 5% — national median 4%, ranked at the 80th percentile.
- Disability rate at 21% — national median 16%, ranked at the 86th percentile.
- Subprime credit share at 24% — national median 23%, ranked at the 53rd percentile.
Neighbors span two CDI distress fifths. The 17-point drop to Franklin County marks where the Florida Panhandle distress corridor ends.
"Gulf County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
The Indicators Behind Gulf County's CDI Score
Every number traces to a public source. Gulf County's value shown alongside FL's median and the U.S. median. Full CSV available for download.
| Indicator | Gulf | FL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 44 · Rank 1,770 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 6% | 5% | 28th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 6% | 7% | 5% | 53rd | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 24% | 29% | 23% | 53rd | Urban Institute (2024) |
| Default & Legal — domain score 43 · Rank 1,866 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 27% | 28% | 23% | 63rd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 76 | 138 | 126 | 23rd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 89 · Rank 170 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 31% | 27% | 21% | 95th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 24% | 25% | 18% | 84th | Census ACS 5-yr (2023) |
| Labor — domain score 80 · Rank 592 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 5% | 5% | 4% | 80th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 64 · Rank 1,017 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 22% | 19% | 18% | 70th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 21% | 17% | 16% | 86th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 15% | 14% | 14% | 61st | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 31% | 27% | 27% | 68th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 12% | 8% | 61st | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Gulf County data — in under 60 seconds.
Draft wire copy 153-word AP-style article — use freely with attribution
PORT ST. JOE, Fla. — Gulf County ranks 782nd among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 64 out of 100 places Gulf in the second-most distressed fifth. Among 3,144 U.S. counties scored, 781 counties rank more distressed. Within Florida, Gulf ranks 50th of 67 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Gulf. A rent-to-income ratio of 31% — above the national median of 21%.
"Gulf County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Gulf County's CDI score, and what does it mean?
What drives Gulf County's distress score?
How does Gulf County compare to its neighbors?
How is the County Distress Index calculated?
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