Nassau County, Florida

County Distress Index: Normal · 49.0 | 101,501 people · 62nd most distressed in Florida
American Default Research

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Nassau County, FL falls within the normal range for household financial distress at 49.0 — 1638th nationally out of 3144 counties. The primary driver is Economic Vitality, where wages are low relative to housing costs, business formation lags, and the local economy lacks dynamism. Within Florida, it ranks 62nd of 67 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Nassau County's primary driver is Economic Vitality at 66.6 — above the national median.

Economic Vitality Primary driver 66.6
Wage-to-Rent Ratio 92
Rent-to-Income Ratio 53
Business Formation Rate 14
House Price Change (YoY) 81
Housing Cost Burden 62.6
Rent-Burdened (30%+) 73
Severely Rent-Burdened (50%+) 72
Mortgage-Burdened (30%+) 74
Homeownership Rate 7
Legal Distress 56.0
Bankruptcy Filing Rate 56
Consumer Credit Distress 44.0
Debt in Collections 41
Medical Debt 65
Auto Loan Delinquency 53
Credit Card Delinquency 31
Uninsured Rate 45
Subprime Credit Population 36
Structural Poverty 28.9
Unemployment Rate 72
Poverty Rate 16
Income vs. State Median 7
Child Poverty Rate 25
Disability Rate 60
Transfer Income Dependency 16

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Nassau County
Nassau County, FL 49.0 Normal —
Charlton County, GA 82.5 Crisis +33.5
Duval County, FL 77.4 Serious +28.4
Camden County, GA 68.2 Serious +19.2
Baker County, FL 67.7 Serious +18.7

Population Peers

CountyScoreZonevs. Nassau County
Penobscot County, ME 49.1 Normal +0.0
Van Buren County, MI 49.0 Normal -0.0
Saline County, KS 49.0 Normal -0.1
Laramie County, WY 49.0 Normal -0.1
Catawba County, NC 49.2 Normal +0.1

Download Data

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

Find Help in Nassau County

Find an Attorney

The Florida Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

The Florida Bar — Lawyer Referral Service 1-800-342-8011

Free Legal Aid

Legal aid organizations serving Nassau County residents at no cost.

Florida Rural Legal Services (FRLS) 1-239-334-4554
Legal Services of Greater Miami (LSGMI) 1-305-576-0080
Coast to Coast Legal Aid of South Florida 1-954-736-2400
Community Legal Services of Mid-Florida (CLSMF) 1-800-405-1417
Bay Area Legal Services 1-800-625-2257
Legal Services of North Florida 1-850-385-9007
Three Rivers Legal Services 1-866-256-8091

Self-Help Resources

The Florida Bar — Foreclosure Crisis Help for Consumers Official Florida Bar resource page for homeowners facing foreclosure, including information on finding an attorney, legal aid referrals, and understanding the foreclosure process.
Florida Courts — Residential Mortgage Foreclosure Cases Florida Supreme Court page with information on residential mortgage foreclosure cases, including links to administrative orders, mediation resources, and the Managed Mediation program.
Florida AG — Resources Available to Distressed Homeowners Florida Attorney General's office page with resources for distressed homeowners, including information on mortgage fraud, foreclosure rescue scams, and how to file complaints.
Florida LawHelp Statewide legal aid directory connecting Floridians with free legal information and local legal aid providers for foreclosure prevention and other civil legal needs.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Florida →

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Frequently Asked Questions

  • What is the distress score for Nassau County, Florida?

    Nassau County has a County Distress Index score of 49.0 out of 100, placing it in the Normal zone. It ranks 1,638th nationally out of 3,144 counties and 62nd in Florida out of 67 counties.

  • What drives financial distress in Nassau County?

    The primary driver of distress in Nassau County is Economic Vitality, where the county scores 66.6 out of 100. This domain is measured by indicators including Wage-to-Rent Ratio, Rent-to-Income Ratio, Business Formation Rate.

  • How does Nassau County compare to neighboring counties?

    Nassau County (49.0) can be compared to its 4 neighboring counties: Charlton County, GA (82.5); Duval County, FL (77.4); Camden County, GA (68.2).

  • 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 Normal 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). Nassau County's score of 49.0 sits in the Normal zone (46–55).

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

    Nassau 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 Nassau County?

    Nassau County, Florida has a population of approximately 101,501 (2023 Census estimate), classified as a mid county.