Fulton County, Georgia

County Distress Index: Serious · 68.0 | 1,079,105 people · 91st most distressed in Georgia

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Atlanta's core county has the highest business formation rate in this batch of ten. Nearly 44 new business applications per thousand residents. The Employment & Wages domain scores just 21.1, signaling a labor market that's generating jobs and opportunity. That's one version of Fulton County. The other version has a Debt & Delinquency score of 79.2. Thirty percent of residents carry debt in collections. The bankruptcy filing rate is 323 per 100,000. Nearly one in five children lives in poverty. Credit card delinquency, auto loan delinquency, and student loan delinquency all rank above the 82nd percentile. The most entrepreneurial county in this group is simultaneously the one where household balance sheets are deteriorating fastest. The surrounding ring tells the rest of the story. Clayton County to the south scores 71.5 (Serious). DeKalb to the east, 59.0. Douglas, 58.3. Gwinnett, 52.8. Fulton's 49.5 Normal score sits below all of its immediate neighbors except one. The economic engine generates growth. The growth generates housing costs. The housing costs generate debt. Homeownership in Fulton has dropped to 54.1%, the lowest in this batch. The county that builds the jobs can't build the stability that's supposed to follow.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Fulton County's primary driver is Legal Distress at 92.7 — worse than roughly 93% of U.S. counties.

Legal Distress Primary driver 92.7
Bankruptcy Filing Rate 93
Housing Cost Burden 87.6
Rent-Burdened (30%+) 88
Severely Rent-Burdened (50%+) 89
Mortgage-Burdened (30%+) 69
Homeownership Rate 97
Consumer Credit Distress 75.2
Debt in Collections 75
Medical Debt 59
Auto Loan Delinquency 83
Credit Card Delinquency 82
Uninsured Rate 63
Subprime Credit Population 78
Economic Vitality 34.0
Wage-to-Rent Ratio 18
Rent-to-Income Ratio 68
Business Formation Rate 1
House Price Change (YoY) 79
Structural Poverty 20.3
Unemployment Rate 45
Poverty Rate 46
Income vs. State Median 1
Child Poverty Rate 45
Disability Rate 6
Transfer Income Dependency 1

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Fulton County
Fulton County, GA 68.0 Serious
Clayton County, GA 88.0 Crisis +20.0
Douglas County, GA 78.0 Serious +10.0
Carroll County, GA 76.9 Serious +9.0
DeKalb County, GA 75.7 Serious +7.7
Gwinnett County, GA 68.5 Serious +0.5
Cobb County, GA 61.0 Elevated -7.0
Coweta County, GA 55.3 Elevated -12.7
Fayette County, GA 52.1 Elevated -15.9
Cherokee County, GA 47.3 Normal -20.6
Forsyth County, GA 29.8 Healthy -38.2

Population Peers

CountyScoreZonevs. Fulton County
San Bernardino County, CA 68.7 Serious +0.7
Fresno County, CA 67.1 Serious -0.9
Broward County, FL 69.5 Serious +1.5
Harris County, TX 70.6 Serious +2.7
Miami-Dade County, FL 70.7 Serious +2.8

Download Data

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Find Help in Fulton County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Fulton County.

D&E, A HOUSING & ECONOMIC EMPOWERMENT CENTER, INC. (D&E GROUP)
East Point
Foreclosure PreventionFinancial CounselingFinancial CounselingFair Housing
METRO FAIR HOUSING SERVICES, INC.
Atlanta
Fair HousingPre-PurchaseHomebuyer EducationRental Help
NID-HCA EMERSON
COLLEGE PARK
Foreclosure PreventionHome Improvement/RehabHomeless/DisplacementPre-Purchase
NID-HCA GEORGIA
UNION CITY
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
OPERATION HOPE- ATLANTA- MARTIN LUTHER KING JR
College Park
Financial CounselingFinancial CounselingPre-PurchaseHomebuyer Education

Find an Attorney

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

Free Legal Aid

Legal aid organizations serving Fulton County residents at no cost.

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

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