Calhoun County, Alabama

County Distress Index: Serious · 65.8 | 116,429 people · 11th most distressed in Alabama

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

Calhoun County, AL shows significant household financial distress with a score of 65.8 — 457th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Alabama, it ranks 11th of 67 counties. It scores higher than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Calhoun County's primary driver is Debt & Delinquency at 85.5 — worse than roughly 86% of U.S. counties.

Debt & Delinquency Primary driver 85.5
Debt in Collections 87
Medical Debt 86
Student Loan Delinquency 74
Auto Loan Delinquency 91
Credit Card Delinquency 85
Bankruptcy Filing Rate 89
Community Vulnerability 77.3
Uninsured Rate 72
Disability Rate 83
Income & Poverty 76.0
Poverty Rate 86
Income vs. State Median 54
Child Poverty Rate 88
Housing Cost Burden 59.2
Rent-Burdened (30%+) 60
Severely Rent-Burdened (50%+) 72
Mortgage-Burdened (30%+) 35
Homeownership Rate 69
Rent-to-Income Ratio 61
Employment & Wages 30.9
Unemployment Rate 8
Wage-to-Rent Ratio 26
Business Formation Rate 59

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

Neighbors and Peers

How Calhoun County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Calhoun County
Calhoun County, AL 65.8 Serious
Etowah County, AL 63.5 Elevated -2.3
Talladega County, AL 55.9 Elevated -9.9
Cherokee County, AL 50.5 Elevated -15.2
Cleburne County, AL 49.3 Normal -16.5
St. Clair County, AL 41.1 Normal -24.7

Population Peers

County Score Zone vs. Calhoun County
Lincoln County, OR 65.8 Serious +0.0
Newport News city, VA 65.8 Serious +0.1
Ross County, OH 65.9 Serious +0.2
Acadia Parish, LA 66.1 Serious +0.3
Orangeburg County, SC 65.4 Serious -0.3

Download Data

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

Find Help in Calhoun County

Find an Attorney

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

Free Legal Aid

Legal aid organizations serving Calhoun County residents at no cost.

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.