Effingham County, Georgia
Above the national median for bankruptcy filing rate — and 32.4× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Effingham County, Georgia ranks 1,791st most distressed in the United States on the County Distress Index. The driver: a bankruptcy filing rate of 236 — above the national median of 126.
- 1,791st of 3,144 counties on the County Distress Index — Middle fifth, 138th in Georgia.
- A bankruptcy filing rate of 236 (U.S. median 126). Bankruptcy filing rate at the 83rd percentile nationally.
- Subprime credit share at 32% — national median 23%, ranked at the 81st percentile.
- Rent-to-income ratio at 24% — national median 21%, ranked at the 74th percentile.
- Uninsured rate at 10% — national median 8%, ranked at the 62nd percentile.
Neighbors span three CDI distress fifths. The 35-point drop to Bryan County marks where the Georgia distress corridor ends.
"Effingham County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story."
"The CDI places this county in the middle fifth nationally. The county sits near the center of the geography distribution, so the domain mix matters more than the composite alone."
The Indicators Behind Effingham County's CDI Score
Every number traces to a public source. Effingham County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Effingham | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 72 · Rank 799 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 8% | 5% | 59th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 8% | 5% | 75th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 32% | 36% | 23% | 81st | Urban Institute (2024) |
| Default & Legal — domain score 77 · Rank 521 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 29% | 36% | 23% | 71st | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 236 | 255 | 126 | 83rd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 51 · Rank 1,480 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 24% | 24% | 21% | 74th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 19% | 18% | 28th | Census ACS 5-yr (2023) |
| Labor — domain score 8 · Rank 2,862 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 2% | 3% | 4% | 8th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 25 · Rank 2,560 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 10% | 26% | 18% | 12th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 16% | 16% | 14th | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 8% | 18% | 14% | 10th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 19% | 30% | 27% | 18th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 13% | 8% | 62nd | 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 Effingham County data — in under 60 seconds.
Draft wire copy 150-word AP-style article — use freely with attribution
SPRINGFIELD, Ga. — Effingham County ranks 1,791st 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 47 out of 100 places Effingham in the middle fifth. Among 3,144 U.S. counties scored, 1,790 counties rank more distressed. Within Georgia, Effingham ranks 138th 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 default & legal as the primary driver in Effingham. A bankruptcy filing rate of 236 — above the national median of 126.
"Effingham County ranks in the middle fifth of U.S. counties. The county sits near the national center of the CDI distribution, so the domain mix carries the story," 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 Effingham County's CDI score, and what does it mean?
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How is the County Distress Index calculated?
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