Floyd County, Georgia

County Distress Index: Serious · 77.0 | 100,113 people · 38th most distressed in Georgia
American Default Research

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Floyd County, GA shows significant household financial distress with a score of 77.0 — 126th nationally out of 3144 counties. The primary driver is Consumer Credit Distress, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Georgia, it ranks 38th of 159 counties. Among its 6 neighboring counties, 5 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Floyd County's primary driver is Consumer Credit Distress at 83.5 — worse than roughly 84% of U.S. counties.

Consumer Credit Distress Primary driver 83.5
Debt in Collections 87
Medical Debt 97
Auto Loan Delinquency 75
Credit Card Delinquency 81
Uninsured Rate 84
Subprime Credit Population 80
Legal Distress 83.0
Bankruptcy Filing Rate 83
Housing Cost Burden 78.2
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 79
Mortgage-Burdened (30%+) 46
Homeownership Rate 90
Economic Vitality 67.5
Wage-to-Rent Ratio 75
Rent-to-Income Ratio 70
Business Formation Rate 38
House Price Change (YoY) 81
Structural Poverty 55.9
Unemployment Rate 34
Poverty Rate 73
Income vs. State Median 26
Child Poverty Rate 83
Disability Rate 65
Transfer Income Dependency 62

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Floyd County
Floyd County, GA 77.0 Serious —
Polk County, GA 80.3 Crisis +3.2
Chattooga County, GA 73.5 Serious -3.5
Walker County, GA 73.4 Serious -3.6
Bartow County, GA 67.4 Serious -9.7
Gordon County, GA 62.3 Elevated -14.7
Cherokee County, AL 56.6 Elevated -20.4

Population Peers

CountyScoreZonevs. Floyd County
Nacogdoches County, TX 77.0 Serious -0.0
Jefferson County, AR 77.0 Serious -0.0
Hampton city, VA 77.1 Serious +0.1
Liberty County, TX 76.9 Serious -0.1
Carroll County, GA 76.9 Serious -0.1

Download Data

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

Find Help in Floyd County

Find an Attorney

State Bar of Georgia Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Georgia Lawyer Referral Service 404-527-8700

Free Legal Aid

Legal aid organizations serving Floyd County residents at no cost.

Atlanta Legal Aid Society 404-524-5811
Georgia Legal Services Program 1-888-257-4567
Georgia Legal Aid
State Bar of Georgia Lawyer Referral Service 404-527-8700

Self-Help Resources

Georgia Legal Aid — Housing Self-help guides for Georgia foreclosure process, rights, and defenses
DCA Georgia HAF Resources Assistance programs and housing counselor referrals

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

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Frequently Asked Questions

  • What is the distress score for Floyd County, Georgia?

    Floyd County has a County Distress Index score of 77.0 out of 100, placing it in the Serious zone. It ranks 126th nationally out of 3,144 counties and 38th in Georgia out of 159 counties.

  • What drives financial distress in Floyd County?

    The primary driver of distress in Floyd County is Consumer Credit Distress, where the county scores 83.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Auto Loan Delinquency.

  • How does Floyd County compare to neighboring counties?

    Floyd County (77.0) can be compared to its 6 neighboring counties: Polk County, GA (80.3); Chattooga County, GA (73.5); Walker County, GA (73.4).

  • 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 Serious 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). Floyd County's score of 77.0 sits in the Serious zone (71–86).

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

    Floyd 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 Floyd County?

    Floyd County, Georgia has a population of approximately 100,113 (2023 Census estimate), classified as a mid county.