Morgan County, Alabama

County Distress Index: Normal · 46.9 | 125,133 people · 59th most distressed in Alabama

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Morgan County, AL falls within the normal range for household financial distress at 46.9 — 1836th 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 59th of 67 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Morgan County's primary driver is Debt & Delinquency at 74.1 — above the national median.

Debt & Delinquency Primary driver 74.1
Debt in Collections 72
Medical Debt 82
Student Loan Delinquency 66
Auto Loan Delinquency 79
Credit Card Delinquency 62
Bankruptcy Filing Rate 83
Community Vulnerability 67.3
Uninsured Rate 72
Disability Rate 62
Housing Cost Burden 39.0
Rent-Burdened (30%+) 47
Severely Rent-Burdened (50%+) 58
Mortgage-Burdened (30%+) 22
Homeownership Rate 60
Rent-to-Income Ratio 8
Income & Poverty 30.3
Poverty Rate 38
Income vs. State Median 9
Child Poverty Rate 44
Employment & Wages 23.8
Unemployment Rate 1
Wage-to-Rent Ratio 6
Business Formation Rate 65

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Morgan County
Morgan County, AL 46.9 Normal
Cullman County, AL 50.4 Elevated +3.5
Lawrence County, AL 49.2 Normal +2.3
Marshall County, AL 48.8 Normal +1.9
Madison County, AL 36.5 Normal -10.4
Limestone County, AL 34.4 Healthy -12.5

Population Peers

County Score Zone vs. Morgan County
Sandusky County, OH 46.9 Normal +0.0
Logan County, OK 46.9 Normal -0.0
Robertson County, TN 47.0 Normal +0.1
Marion County, WV 46.8 Normal -0.1
San Benito County, CA 47.0 Normal +0.1

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