Montgomery County, Alabama

County Distress Index: Elevated · 58.4 | 224,980 people · 25th most distressed in Alabama
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Montgomery County, AL registers elevated household financial distress with a score of 58.4 — 950th 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 25th of 67 counties. Among its 7 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Montgomery County's primary driver is Debt & Delinquency at 86.9 — worse than roughly 87% of U.S. counties.

Debt & Delinquency Primary driver 86.9
Debt in Collections 94
Medical Debt 59
Student Loan Delinquency 87
Auto Loan Delinquency 96
Credit Card Delinquency 86
Bankruptcy Filing Rate 100
Housing Cost Burden 75.4
Rent-Burdened (30%+) 86
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 61
Homeownership Rate 95
Rent-to-Income Ratio 42
Income & Poverty 61.3
Poverty Rate 79
Income vs. State Median 23
Child Poverty Rate 82
Community Vulnerability 59.5
Uninsured Rate 69
Disability Rate 50
Employment & Wages 8.9
Unemployment Rate 8
Wage-to-Rent Ratio 7
Business Formation Rate 11

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Montgomery County
Montgomery County, AL 58.4 Elevated —
Bullock County, AL 70.2 Serious +11.8
Lowndes County, AL 65.3 Serious +6.9
Macon County, AL 64.7 Elevated +6.3
Pike County, AL 62.5 Elevated +4.1
Crenshaw County, AL 56.4 Elevated -2.0
Elmore County, AL 43.1 Normal -15.3
Autauga County, AL 42.1 Normal -16.3

Population Peers

County Score Zone vs. Montgomery County
Jasper County, MO 58.4 Elevated -0.0
Wilkes County, NC 58.4 Elevated -0.0
Cherokee County, SC 58.4 Elevated +0.0
Chemung County, NY 58.4 Elevated -0.0
Chautauqua County, NY 58.5 Elevated +0.1

Download Data

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

Find Help in Montgomery County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Montgomery County.

LEGAL SERVICES ALABAMA INC
MONTGOMERY
886-456-4995 Website
Foreclosure PreventionFinancial CounselingHome Improvement/RehabHomeless/Displacement

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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 Montgomery 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 Montgomery County, Alabama?

    Montgomery County has a County Distress Index score of 58.4 out of 100, placing it in the Elevated zone. It ranks 950th nationally out of 3,144 counties and 25th in Alabama out of 67 counties.

  • What drives financial distress in Montgomery County?

    The primary driver of distress in Montgomery County is Debt & Delinquency, where the county scores 86.9 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Montgomery County compare to neighboring counties?

    Montgomery County (58.4) can be compared to its 7 neighboring counties: Bullock County, AL (70.2); Lowndes County, AL (65.3); Macon County, AL (64.7).

  • 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 Montgomery County?

    Montgomery County, Alabama has a population of approximately 224,980 (2023 Census estimate), classified as a mid county.