Wakulla County, Florida

County Distress Index: Elevated · 55.9 | 36,449 people · 55th most distressed in Florida
American Default Research

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Wakulla County, FL registers elevated household financial distress with a score of 55.9 — 1210th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Florida, it ranks 55th 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. Wakulla County's primary driver is Legal Distress at 66.8 — above the national median.

Legal Distress Primary driver 66.8
Bankruptcy Filing Rate 67
Consumer Credit Distress 62.0
Debt in Collections 70
Medical Debt 65
Auto Loan Delinquency 42
Credit Card Delinquency 74
Uninsured Rate 36
Subprime Credit Population 68
Economic Vitality 57.3
Wage-to-Rent Ratio 78
Rent-to-Income Ratio 36
Business Formation Rate 16
House Price Change (YoY) 97
Housing Cost Burden 53.9
Rent-Burdened (30%+) 70
Severely Rent-Burdened (50%+) 50
Mortgage-Burdened (30%+) 82
Homeownership Rate 5
Structural Poverty 30.9
Unemployment Rate 61
Poverty Rate 24
Income vs. State Median 30
Child Poverty Rate 31
Disability Rate 21
Transfer Income Dependency 25

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Wakulla County
Wakulla County, FL 55.9 Elevated —
Liberty County, FL 70.0 Serious +14.1
Leon County, FL 68.2 Serious +12.3
Jefferson County, FL 64.4 Elevated +8.6
Franklin County, FL 57.8 Elevated +1.9

Population Peers

CountyScoreZonevs. Wakulla County
Crawford County, OH 55.9 Elevated +0.0
Fentress County, TN 55.8 Elevated -0.1
Bryan County, GA 55.9 Elevated +0.1
Prince George County, VA 55.8 Elevated -0.1
McDonald County, MO 55.8 Elevated -0.1

Download Data

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

Find Help in Wakulla 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 Wakulla 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 Wakulla County, Florida?

    Wakulla County has a County Distress Index score of 55.9 out of 100, placing it in the Elevated zone. It ranks 1,210th nationally out of 3,144 counties and 55th in Florida out of 67 counties.

  • What drives financial distress in Wakulla County?

    The primary driver of distress in Wakulla County is Legal Distress, where the county scores 66.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Wakulla County compare to neighboring counties?

    Wakulla County (55.9) can be compared to its 4 neighboring counties: Liberty County, FL (70.0); Leon County, FL (68.2); Jefferson County, FL (64.4).

  • 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 Elevated 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). Wakulla County's score of 55.9 sits in the Elevated zone (55–71).

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

    Wakulla 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 Wakulla County?

    Wakulla County, Florida has a population of approximately 36,449 (2023 Census estimate), classified as a small county.