Putnam County, Georgia
Above the national median for severe rent burden (50%+).
Main Findings
Putnam County, Georgia ranks 981st most distressed in the United States on the County Distress Index. The driver: 29% of renter households pay 50%+ of income on rent — above the national median of 18%.
- 981st of 3,144 counties on the County Distress Index — Second-most distressed fifth, 102nd in Georgia.
- 29% of renter households pay 50%+ of income on rent (U.S. median 18%). Severe rent burden (50%+) at the 97th percentile nationally.
- Bankruptcy filing rate at 203 — national median 126, ranked at the 76th percentile.
- Child poverty rate at 25% — national median 18%, ranked at the 81st percentile.
- Subprime credit share at 27% — national median 23%, ranked at the 64th percentile.
Neighbors span four CDI distress fifths. The 47-point drop to Greene County marks where the Georgia distress corridor ends.
"Putnam County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix."
"The CDI places this county in the second-most distressed fifth nationally. The county sits above the median distress position, with the five-domain profile showing which local pressures carry the score."
The Indicators Behind Putnam County's CDI Score
Every number traces to a public source. Putnam County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Putnam | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 50 · Rank 1,573 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 8% | 5% | 62nd | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 4% | 8% | 5% | 22nd | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 27% | 36% | 23% | 64th | Urban Institute (2024) |
| Default & Legal — domain score 74 · Rank 608 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 29% | 36% | 23% | 72nd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 203 | 255 | 126 | 76th | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 82 · Rank 332 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 23% | 24% | 21% | 67th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 29% | 19% | 18% | 97th | Census ACS 5-yr (2023) |
| Labor — domain score 31 · Rank 2,110 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 31st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 66 · Rank 943 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 25% | 26% | 18% | 81st | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 18% | 16% | 16% | 72nd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 16% | 18% | 14% | 65th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 25% | 30% | 27% | 39th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 12% | 13% | 8% | 75th | 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 Putnam County data — in under 60 seconds.
Draft wire copy 156-word AP-style article — use freely with attribution
EATONTON, Ga. — Putnam County ranks 981st 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 61 out of 100 places Putnam in the second-most distressed fifth. Among 3,144 U.S. counties scored, 980 counties rank more distressed. Within Georgia, Putnam ranks 102nd 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 debt burden (housing basis) as the primary driver in Putnam. 29% of renter households pay 50%+ of income on rent — above the national median of 18%.
"Putnam County ranks in the second-most distressed fifth of U.S. counties. The score is above the national county midpoint, with the domain table showing the local pressure mix," 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 Putnam County's CDI score, and what does it mean?
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How does Putnam County compare to its neighbors?
How is the County Distress Index calculated?
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