Twiggs County, Georgia

County Distress Index: Serious · 67.6 | 7,691 people · 94th most distressed in Georgia
American Default Research

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Twiggs County, GA shows significant household financial distress with a score of 67.6 — 516th 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 94th of 159 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Twiggs County's primary driver is Legal Distress at 94.0 — worse than roughly 94% of U.S. counties.

Legal Distress Primary driver 94.0
Bankruptcy Filing Rate 94
Consumer Credit Distress 86.1
Debt in Collections 85
Medical Debt 81
Auto Loan Delinquency 90
Credit Card Delinquency 82
Uninsured Rate 80
Subprime Credit Population 93
Structural Poverty 81.9
Unemployment Rate 61
Poverty Rate 89
Income vs. State Median 69
Child Poverty Rate 92
Disability Rate 91
Transfer Income Dependency 89
Economic Vitality 74.7
Wage-to-Rent Ratio 92
Rent-to-Income Ratio 95
Business Formation Rate 16
House Price Change (YoY) 36
Housing Cost Burden 7.8
Rent-Burdened (30%+) 10
Severely Rent-Burdened (50%+) 8
Mortgage-Burdened (30%+) 5
Homeownership Rate 5

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Twiggs County
Twiggs County, GA 67.6 Serious —
Bibb County, GA 88.7 Crisis +21.1
Laurens County, GA 74.8 Serious +7.2
Wilkinson County, GA 73.0 Serious +5.3
Bleckley County, GA 71.6 Serious +4.0
Houston County, GA 68.6 Serious +1.0
Jones County, GA 62.4 Elevated -5.2

Population Peers

CountyScoreZonevs. Twiggs County
Warren County, GA 67.7 Serious +0.0
Wilcox County, GA 67.6 Serious -0.0
Esmeralda County, NV 67.7 Serious +0.1
Clinton County, KY 67.8 Serious +0.1
Swisher County, TX 67.3 Serious -0.3

Download Data

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

Find Help in Twiggs 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 Twiggs 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

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Frequently Asked Questions

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

    Twiggs County has a County Distress Index score of 67.6 out of 100, placing it in the Serious zone. It ranks 516th nationally out of 3,144 counties and 94th in Georgia out of 159 counties.

  • What drives financial distress in Twiggs County?

    The primary driver of distress in Twiggs County is Legal Distress, where the county scores 94.0 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Twiggs County compare to neighboring counties?

    Twiggs County (67.6) can be compared to its 6 neighboring counties: Bibb County, GA (88.7); Laurens County, GA (74.8); Wilkinson County, GA (73.0).

  • 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). Twiggs County's score of 67.6 sits in the Serious zone (71–86).

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

    Twiggs 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 Twiggs County?

    Twiggs County, Georgia has a population of approximately 7,691 (2023 Census estimate), classified as a tiny county.