Lawrence County, Alabama

County Distress Index: Normal · 49.2 | 33,502 people · 56th most distressed in Alabama
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Lawrence County, AL falls within the normal range for household financial distress at 49.2 — 1661st 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 56th of 67 counties. Among its 7 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Lawrence County's primary driver is Debt & Delinquency at 76.5 — worse than roughly 77% of U.S. counties.

Debt & Delinquency Primary driver 76.5
Debt in Collections 77
Medical Debt 62
Student Loan Delinquency 69
Auto Loan Delinquency 86
Credit Card Delinquency 78
Bankruptcy Filing Rate 87
Community Vulnerability 73.3
Uninsured Rate 60
Disability Rate 87
Income & Poverty 44.6
Poverty Rate 56
Income vs. State Median 21
Child Poverty Rate 57
Employment & Wages 37.7
Unemployment Rate 1
Wage-to-Rent Ratio 25
Business Formation Rate 87
Housing Cost Burden 13.7
Rent-Burdened (30%+) 11
Severely Rent-Burdened (50%+) 10
Mortgage-Burdened (30%+) 8
Homeownership Rate 13
Rent-to-Income Ratio 27

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

Neighbors and Peers

How Lawrence County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Lawrence County
Lawrence County, AL 49.2 Normal —
Franklin County, AL 57.3 Elevated +8.1
Winston County, AL 54.3 Elevated +5.1
Colbert County, AL 52.7 Elevated +3.5
Lauderdale County, AL 50.6 Elevated +1.5
Cullman County, AL 50.4 Elevated +1.2
Morgan County, AL 46.9 Normal -2.3
Limestone County, AL 34.4 Healthy -14.7

Population Peers

County Score Zone vs. Lawrence County
Burnett County, WI 49.2 Normal +0.0
Cass County, MN 49.1 Normal -0.0
LaSalle Parish, LA 49.1 Normal -0.0
Polk County, NC 49.1 Normal -0.1
Sumner County, KS 49.2 Normal +0.1

Download Data

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

Find Help in Lawrence County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Lawrence County.

COMMUNITY ACTION PARTNERSHIP OF NORTH ALABAMA - MOULTON BRANCH
MOULTON
256-260-3108 Website
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Find an Attorney

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

Free Legal Aid

Legal aid organizations serving Lawrence County residents at no cost.

Legal Services Alabama 1-866-456-4995
Alabama State Bar Lawyer Referral Service 1-800-392-5660

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Frequently Asked Questions

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

    Lawrence County has a County Distress Index score of 49.2 out of 100, placing it in the Normal zone. It ranks 1,661st nationally out of 3,144 counties and 56th in Alabama out of 67 counties.

  • What drives financial distress in Lawrence County?

    The primary driver of distress in Lawrence County is Debt & Delinquency, where the county scores 76.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Lawrence County compare to neighboring counties?

    Lawrence County (49.2) can be compared to its 7 neighboring counties: Franklin County, AL (57.3); Winston County, AL (54.3); Colbert County, AL (52.7).

  • 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 Lawrence County?

    Lawrence County, Alabama has a population of approximately 33,502 (2023 Census estimate), classified as a small county.