Troup County, Georgia

County Distress Index: Crisis · 82.3 | 70,742 people · 15th most distressed in Georgia
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Troup County, GA ranks among the most financially distressed counties in America with a score of 82.3 — 39th 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 15th of 159 counties. It scores higher than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Troup County's primary driver is Legal Distress at 96.7 — worse than roughly 97% of U.S. counties.

Legal Distress Primary driver 96.7
Bankruptcy Filing Rate 97
Consumer Credit Distress 91.2
Debt in Collections 96
Medical Debt 97
Auto Loan Delinquency 85
Credit Card Delinquency 93
Uninsured Rate 72
Subprime Credit Population 93
Housing Cost Burden 90.6
Rent-Burdened (30%+) 96
Severely Rent-Burdened (50%+) 88
Mortgage-Burdened (30%+) 76
Homeownership Rate 95
Structural Poverty 52.3
Unemployment Rate 16
Poverty Rate 78
Income vs. State Median 27
Child Poverty Rate 87
Disability Rate 63
Transfer Income Dependency 51
Economic Vitality 49.2
Wage-to-Rent Ratio 48
Rent-to-Income Ratio 67
Business Formation Rate 4
House Price Change (YoY) 88

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Troup County
Troup County, GA 82.3 Crisis —
Meriwether County, GA 76.1 Serious -6.2
Heard County, GA 69.2 Serious -13.0
Chambers County, AL 68.5 Serious -13.8
Randolph County, AL 66.1 Serious -16.2
Coweta County, GA 55.3 Elevated -27.0
Harris County, GA 43.9 Normal -38.4

Population Peers

CountyScoreZonevs. Troup County
Muscogee County, GA 82.1 Crisis -0.2
Caddo Parish, LA 82.7 Crisis +0.4
Newton County, GA 82.7 Crisis +0.4
Portsmouth city, VA 81.9 Crisis -0.4
Hinds County, MS 83.6 Crisis +1.3

Download Data

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

Find Help in Troup 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 Troup 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.

Need legal help? Find a foreclosure defense attorney in Georgia →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Troup County, Georgia?

    Troup County has a County Distress Index score of 82.3 out of 100, placing it in the Crisis zone. It ranks 39th nationally out of 3,144 counties and 15th in Georgia out of 159 counties.

  • What drives financial distress in Troup County?

    The primary driver of distress in Troup County is Legal Distress, where the county scores 96.7 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Troup County compare to neighboring counties?

    Troup County (82.3) can be compared to its 6 neighboring counties: Meriwether County, GA (76.1); Heard County, GA (69.2); Chambers County, AL (68.5).

  • 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 Crisis 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). Troup County's score of 82.3 sits in the Crisis zone (86 and above).

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

    Troup 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 Troup County?

    Troup County, Georgia has a population of approximately 70,742 (2023 Census estimate), classified as a mid county.