Baldwin County, Alabama

County Distress Index: Normal · 41.0 | 253,507 people · 64th most distressed in Alabama
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Baldwin County, AL falls within the normal range for household financial distress at 41.0 — 2285th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where debt and delinquency levels sit above the national average. Within Alabama, it ranks 64th of 67 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Baldwin County's primary driver is Debt & Delinquency at 60.3 — above the national median.

Debt & Delinquency Primary driver 60.3
Debt in Collections 47
Medical Debt 58
Student Loan Delinquency 53
Auto Loan Delinquency 57
Credit Card Delinquency 53
Bankruptcy Filing Rate 93
Housing Cost Burden 51.1
Rent-Burdened (30%+) 67
Severely Rent-Burdened (50%+) 53
Mortgage-Burdened (30%+) 46
Homeownership Rate 33
Rent-to-Income Ratio 56
Community Vulnerability 39.8
Uninsured Rate 51
Disability Rate 28
Employment & Wages 34.7
Unemployment Rate 2
Wage-to-Rent Ratio 84
Business Formation Rate 18
Income & Poverty 19.1
Poverty Rate 21
Income vs. State Median 6
Child Poverty Rate 31

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How Baldwin County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Baldwin County
Baldwin County, AL 41.0 Normal —
Escambia County, FL 67.5 Serious +26.5
Escambia County, AL 60.8 Elevated +19.7
Monroe County, AL 59.1 Elevated +18.1
Mobile County, AL 58.0 Elevated +17.0
Clarke County, AL 57.4 Elevated +16.4
Washington County, AL 44.3 Normal +3.2

Population Peers

County Score Zone vs. Baldwin County
Weber County, UT 41.2 Normal +0.2
Clark County, WA 41.3 Normal +0.3
Douglas County, NE 41.4 Normal +0.3
Plymouth County, MA 40.6 Normal -0.4
Weld County, CO 41.6 Normal +0.6

Download Data

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

Find Help in Baldwin County

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Alabama State Bar Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Alabama State Bar Lawyer Referral Service 1-800-392-5660

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Frequently Asked Questions

  • What is the distress score for Baldwin County, Alabama?

    Baldwin County has a County Distress Index score of 41.0 out of 100, placing it in the Normal zone. It ranks 2,285th nationally out of 3,144 counties and 64th in Alabama out of 67 counties.

  • What drives financial distress in Baldwin County?

    The primary driver of distress in Baldwin County is Debt & Delinquency, where the county scores 60.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Baldwin County compare to neighboring counties?

    Baldwin County (41.0) can be compared to its 6 neighboring counties: Escambia County, FL (67.5); Escambia County, AL (60.8); Monroe County, AL (59.1).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. 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.

  • What is the population of Baldwin County?

    Baldwin County, Alabama has a population of approximately 253,507 (2023 Census estimate), classified as a large county.