Heard County, Georgia
More than double the national median for bankruptcy filing rate — and 39.8× the rate of the healthiest U.S. county (Glacier County, MT — 7).
Main Findings
Heard County, Georgia is more distressed than 85% of U.S. counties on the County Distress Index. The driver: a bankruptcy filing rate of 291 — more than double the national median of 126. Its highest-scoring domain is Default & Legal and its lowest is Labor.
- 74th of 159 counties in Georgia on the County Distress Index — 85 · very high county distress, more distressed than 85% of U.S. counties.
- A bankruptcy filing rate of 291 (U.S. median 126). Bankruptcy filing rate at the 90th percentile nationally. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Rent-to-income ratio at 32% — national median 21%, ranked at the 95th percentile. Source: U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024).
- Subprime credit share at 38% — national median 23%, ranked at the 93rd percentile. Source: Equifax data retrieved via FRED (2025).
- Disability rate at 22% — national median 16%, ranked at the 90th percentile. Source: U.S. Census Bureau, ACS 5-year (2024).
Unemployment is 4%, near the national median of 4%, while subprime credit share runs at the 93rd percentile. Jobs exist; wages don't close the gap.
Neighbors span two CDI score labels. The 44-point drop to Coweta County marks where the Georgia distress corridor ends.
Heard County has a very high county distress score. The domain table shows which local pressure carries the composite.
The CDI gives this county a very high county distress label. The five-domain profile shows which local pressures carry the score. Its highest-scoring domain is Default & Legal.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to Urban Institute Debt in America (2025), Heard County's auto loan delinquency indicator is at the 28th percentile. American Default Research's CDI places every other indicator in the Delinquency domain at or above the 92nd percentile. The gap stands out against credit card delinquency and subprime credit share. Worth a call to the source agency or a local subject-matter contact in Franklin.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Heard County's CDI Score
Every number traces to a public source. Heard County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Heard | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 71 · Rank 809 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 4% | 8% | 5% | 28th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 9% | 8% | 5% | 92nd | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 38% | 36% | 23% | 93rd | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 81 · Rank 401 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 29% | 36% | 23% | 71st | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 291 | 255 | 126 | 90th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 80 · Rank 401 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 32% | 24% | 21% | 95th | U.S. Department of Housing and Urban Development Fair Market Rents (FY2027); U.S. Census Bureau, SAIPE (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 21% | 19% | 18% | 66th | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 55 · Rank 1,351 of 3,144 | |||||
| Adults 25-54 not working Share of adults aged 25 to 54 without a job, leaving out residents of prisons and other institutions (service members count as working) | 27% | 24% | 21% | 80th | U.S. Census Bureau, ACS 5-year (2024) |
| Unemployment (average of monthly rates) Share of labor force unemployed, averaged over the monthly rates published for September 2025 to August 2026 (no figures published for October 2025) | 3% | 3% | 4% | 30th | U.S. Bureau of Labor Statistics, LAUS (monthly rates averaged, September 2025 to August 2026; no figures published for October 2025) |
| Safety Net & Buffer — domain score 67 · Rank 901 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 19% | 24% | 17% | 60th | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 22% | 17% | 16% | 90th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 12% | 17% | 13% | 44th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 14% | 13% | 8% | 86th | U.S. Census Bureau, ACS 5-year (2024) |
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 scores household financial distress from 0 to 100 for all 3,144 U.S. counties. A county's score is the share of U.S. counties it is more distressed than. 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 five domains are averaged, and that average is ranked against every other county to give the score.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), Equifax data retrieved via FRED (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), U.S. Bureau of Labor Statistics (Local Area Unemployment Statistics), Administrative Office of the U.S. Courts (F-5A bankruptcy filings), and U.S. Department of Housing and Urban Development Fair Market Rents. Data vintages range from 2024 to 2027 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Heard County data.
Draft wire copy 128-word AP-style article — use freely with attribution
FRANKLIN, Ga. — Heard County is more distressed than 85% of U.S. counties, according to the County Distress Index released this month by American Default Research.
Heard scores 85 out of 100, which means it is more distressed than 85% of U.S. counties; its score label is very high county distress. Within Georgia, Heard ranks 74th of 159 counties.
The index, which draws on 14 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 Heard. A bankruptcy filing rate of 291 — more than double the national median of 126.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Heard County's CDI score, and what does it mean?
What drives Heard County's distress score?
How does Heard County compare to its neighbors?
How is the County Distress Index calculated?
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