Terrell County, Georgia

County Distress Index: Serious · 75.6 | 8,718 people · 43rd most distressed in Georgia
American Default Research

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Terrell County, GA shows significant household financial distress with a score of 75.6 — 163rd nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Georgia, it ranks 43rd of 159 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Terrell County's primary driver is Legal Distress at 95.0 — worse than roughly 95% of U.S. counties.

Legal Distress Primary driver 95.0
Bankruptcy Filing Rate 95
Structural Poverty 82.8
Unemployment Rate 85
Poverty Rate 95
Income vs. State Median 87
Child Poverty Rate 95
Disability Rate 53
Transfer Income Dependency 81
Consumer Credit Distress 80.4
Debt in Collections 94
Medical Debt 28
Auto Loan Delinquency 91
Credit Card Delinquency 76
Uninsured Rate 90
Subprime Credit Population 92
Economic Vitality 65.6
Wage-to-Rent Ratio 81
Rent-to-Income Ratio 95
Business Formation Rate 10
House Price Change (YoY) 5
Housing Cost Burden 58.8
Rent-Burdened (30%+) 48
Severely Rent-Burdened (50%+) 58
Mortgage-Burdened (30%+) 44
Homeownership Rate 95

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Terrell County
Terrell County, GA 75.6 Serious —
Dougherty County, GA 87.3 Crisis +11.7
Randolph County, GA 84.9 Crisis +9.3
Sumter County, GA 80.0 Crisis +4.4
Calhoun County, GA 71.9 Serious -3.8
Lee County, GA 63.5 Elevated -12.1
Webster County, GA 62.0 Elevated -13.6

Population Peers

CountyScoreZonevs. Terrell County
Refugio County, TX 75.5 Serious -0.1
San Augustine County, TX 75.4 Serious -0.2
Nevada County, AR 75.4 Serious -0.2
Menominee County, WI 75.4 Serious -0.3
Chicot County, AR 76.1 Serious +0.4

Download Data

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

Find Help in Terrell 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 Terrell 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 Terrell County, Georgia?

    Terrell County has a County Distress Index score of 75.6 out of 100, placing it in the Serious zone. It ranks 163rd nationally out of 3,144 counties and 43rd in Georgia out of 159 counties.

  • What drives financial distress in Terrell County?

    The primary driver of distress in Terrell County is Legal Distress, where the county scores 95.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Terrell County compare to neighboring counties?

    Terrell County (75.6) can be compared to its 6 neighboring counties: Dougherty County, GA (87.3); Randolph County, GA (84.9); Sumter County, GA (80.0).

  • 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). Terrell County's score of 75.6 sits in the Serious zone (71–86).

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

    Terrell 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 Terrell County?

    Terrell County, Georgia has a population of approximately 8,718 (2023 Census estimate), classified as a tiny county.