DeKalb County, Georgia
Above the national median for severe rent burden (50%+).
Main Findings
DeKalb County, Georgia ranks 567th most distressed in the United States on the County Distress Index. The driver: 29% of renter households pay 50%+ of income on rent — above the national median of 18%.
- 567th of 3,144 counties on the County Distress Index — Most distressed fifth, 65th in Georgia.
- 29% of renter households pay 50%+ of income on rent (U.S. median 18%). Severe rent burden (50%+) at the 96th percentile nationally.
- Credit card delinquency at 9% — national median 5%, ranked at the 91st percentile.
- Bankruptcy filing rate at 322 — national median 126, ranked at the 93rd percentile.
- Uninsured rate at 13% — national median 8%, ranked at the 81st percentile.
Unemployment is 3%, near the national median of 4%, while credit card delinquency runs at the 91st percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI distress fifths. The 27-point drop to Gwinnett County marks where the Atlanta metro distress corridor ends.
"DeKalb County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
The Indicators Behind DeKalb County's CDI Score
Every number traces to a public source. DeKalb County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | DeKalb | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 88 · Rank 277 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 9% | 8% | 5% | 89th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 8% | 5% | 91st | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 34% | 36% | 23% | 85th | Urban Institute (2024) |
| Default & Legal — domain score 87 · Rank 214 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 33% | 36% | 23% | 82nd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 322 | 255 | 126 | 93rd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 94 · Rank 76 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 28% | 24% | 21% | 91st | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 29% | 19% | 18% | 96th | Census ACS 5-yr (2023) |
| Labor — domain score 27 · Rank 2,236 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 27th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 44 · Rank 1,791 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 26% | 18% | 52nd | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 16% | 16% | 15th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 13% | 18% | 14% | 48th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 15% | 30% | 27% | 7th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 13% | 13% | 8% | 81st | 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 DeKalb County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
DECATUR, Ga. — DeKalb County ranks 567th 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 68 out of 100 places DeKalb in the most distressed fifth. Among 3,144 U.S. counties scored, 566 counties rank more distressed. Within Georgia, DeKalb ranks 65th of 159 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 DeKalb. 29% of renter households pay 50%+ of income on rent — above the national median of 18%.
"DeKalb County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," 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 DeKalb County's CDI score, and what does it mean?
What drives DeKalb County's distress score?
How does DeKalb County compare to its neighbors?
How is the County Distress Index calculated?
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