McDuffie County, Georgia
Above the national median for rent-to-income ratio — and 2.9× the rate of the healthiest U.S. county (Loving County, TX — 10%).
Main Findings
McDuffie County, Georgia is more distressed than 96% of U.S. counties on the County Distress Index. The driver: a rent-to-income ratio of 30% — above the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis) and its lowest is Labor.
- 18th of 159 counties in Georgia on the County Distress Index — 96 · extreme county distress, more distressed than 96% of U.S. counties.
- A rent-to-income ratio of 30% (U.S. median 21%). Rent-to-income ratio at the 96th percentile nationally. Source: HUD FMR (FY2027); U.S. Census Bureau, SAIPE (2024).
- Debt in collections at 38% — national median 23%, ranked at the 92nd percentile. Source: Urban Institute Debt in America (2025).
- Subprime credit share at 39% — national median 23%, ranked at the 94th percentile. Source: Equifax data retrieved via FRED (2025).
- Child poverty rate at 29% — national median 17%, ranked at the 91st percentile. Source: U.S. Census Bureau, SAIPE (2024).
Unemployment is 4%, near the national median of 4%, while subprime credit share runs at the 94th percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 67-point drop to Columbia County marks where the Savannah River distress corridor ends.
McDuffie County has an extreme county distress score. The five-domain profile shows where local household pressure is most concentrated.
The CDI gives this county an extreme county distress label. The score is the plain-language signal; the national rank separately shows how the county compares with every other county-equivalent in the release. Its highest-scoring domain is Debt Burden (housing basis).
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2024), McDuffie County's disability rate indicator is at the 27th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 64th percentile. The gap stands out against child poverty rate and poverty rate. Worth a call to the source agency or a local subject-matter contact in Thomson.
According to U.S. Census Bureau, SAIPE (2024), 29% of children under 18 in McDuffie County live below the federal poverty line, versus 17% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 McDuffie County's CDI Score
Every number traces to a public source. McDuffie County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | McDuffie | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 88 · Rank 286 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 8% | 5% | 91st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 8% | 5% | 79th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 39% | 36% | 23% | 94th | Equifax data retrieved via FRED (2025) |
| Default & Legal — domain score 91 · Rank 133 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 38% | 36% | 23% | 92nd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 284 | 255 | 126 | 89th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 93 · Rank 84 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 30% | 24% | 21% | 96th | 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 | 26% | 19% | 18% | 91st | U.S. Census Bureau, ACS 5-year (2024) |
| Labor — domain score 66 · Rank 899 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) | 25% | 24% | 21% | 76th | 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) | 4% | 3% | 4% | 57th | 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 71 · Rank 768 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 29% | 24% | 17% | 91st | U.S. Census Bureau, SAIPE (2024) |
| Disability rate Share of residents reporting a disability | 14% | 17% | 16% | 27th | U.S. Census Bureau, ACS 5-year (2024) |
| Poverty rate Share of population below the federal poverty line | 20% | 17% | 13% | 86th | U.S. Census Bureau, SAIPE (2024) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 13% | 8% | 64th | 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 McDuffie County data.
Draft wire copy 125-word AP-style article — use freely with attribution
THOMSON, Ga. — McDuffie County is more distressed than 96% of U.S. counties, according to the County Distress Index released this month by American Default Research.
McDuffie scores 96 out of 100, which means it is more distressed than 96% of U.S. counties; its score label is extreme county distress. Within Georgia, McDuffie ranks 18th 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 debt burden (housing basis) as the primary driver in McDuffie. A rent-to-income ratio of 30% — above the national median of 21%.
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 McDuffie County's CDI score, and what does it mean?
What drives McDuffie County's distress score?
How does McDuffie County compare to its neighbors?
How is the County Distress Index calculated?
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