Mobile County, Alabama

County Distress Index: Elevated · 58.0 | 411,640 people · 28th most distressed in Alabama
American Default Research

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Mobile County, AL registers elevated household financial distress with a score of 58.0 — 988th 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 28th of 67 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Mobile County's primary driver is Debt & Delinquency at 88.5 — worse than roughly 89% of U.S. counties.

Debt & Delinquency Primary driver 88.5
Debt in Collections 88
Medical Debt 77
Student Loan Delinquency 87
Auto Loan Delinquency 90
Credit Card Delinquency 91
Bankruptcy Filing Rate 99
Housing Cost Burden 77.0
Rent-Burdened (30%+) 87
Severely Rent-Burdened (50%+) 83
Mortgage-Burdened (30%+) 60
Homeownership Rate 85
Rent-to-Income Ratio 70
Income & Poverty 61.6
Poverty Rate 69
Income vs. State Median 36
Child Poverty Rate 79
Community Vulnerability 51.3
Uninsured Rate 70
Disability Rate 32
Employment & Wages 11.8
Unemployment Rate 16
Wage-to-Rent Ratio 14
Business Formation Rate 6

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Mobile County
Mobile County, AL 58.0 Elevated —
Greene County, MS 62.8 Elevated +4.7
George County, MS 55.1 Elevated -2.9
Jackson County, MS 54.8 Elevated -3.3
Washington County, AL 44.3 Normal -13.8
Baldwin County, AL 41.0 Normal -17.0

Population Peers

County Score Zone vs. Mobile County
Lane County, OR 58.0 Elevated -0.0
Lake County, FL 58.1 Elevated +0.0
Prince George's County, MD 58.1 Elevated +0.0
Marion County, OR 58.2 Elevated +0.1
Milwaukee County, WI 58.2 Elevated +0.1

Download Data

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

Find Help in Mobile County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Mobile County.

CCCS OF MOBILE
Mobile
251-602-0011
Foreclosure PreventionFinancial CounselingPost-PurchasePre-Lease/Pre-Purchase
CENTER FOR FAIR HOUSING
Mobile
251-479-1532 Website
Foreclosure PreventionFinancial CounselingFair HousingPost-Purchase
RENAISSANCE COMMUNITY LOAN FUND-MOBILE COUNTY, AL
Mobile
228-896-3386 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling

See all counselors in Alabama →

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 Mobile County residents at no cost.

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

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 Alabama →

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Frequently Asked Questions

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

    Mobile County has a County Distress Index score of 58.0 out of 100, placing it in the Elevated zone. It ranks 988th nationally out of 3,144 counties and 28th in Alabama out of 67 counties.

  • What drives financial distress in Mobile County?

    The primary driver of distress in Mobile County is Debt & Delinquency, where the county scores 88.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Mobile County compare to neighboring counties?

    Mobile County (58.0) can be compared to its 5 neighboring counties: Greene County, MS (62.8); George County, MS (55.1); Jackson County, MS (54.8).

  • 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 Mobile County?

    Mobile County, Alabama has a population of approximately 411,640 (2023 Census estimate), classified as a large county.