Bradford County, Florida

County Distress Index: Serious · 71.0 | 27,858 people · 9th most distressed in Florida
American Default Research

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Bradford County, FL shows significant household financial distress with a score of 71.0 — 163rd nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Florida, it ranks 9th 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. Bradford County's primary driver is Debt & Delinquency at 80.5 — worse than roughly 81% of U.S. counties.

Debt & Delinquency Primary driver 80.5
Debt in Collections 89
Medical Debt 76
Student Loan Delinquency 99
Auto Loan Delinquency 85
Credit Card Delinquency 83
Bankruptcy Filing Rate 52
Community Vulnerability 73.3
Uninsured Rate 73
Disability Rate 74
Housing Cost Burden 71.9
Rent-Burdened (30%+) 96
Severely Rent-Burdened (50%+) 100
Mortgage-Burdened (30%+) 34
Homeownership Rate 67
Rent-to-Income Ratio 64
Income & Poverty 70.0
Poverty Rate 64
Income vs. State Median 76
Child Poverty Rate 70
Employment & Wages 59.5
Unemployment Rate 80
Wage-to-Rent Ratio 68
Business Formation Rate 30

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Bradford County
Bradford County, FL 71.0 Serious —
Putnam County, FL 73.5 Serious +2.5
Union County, FL 62.6 Elevated -8.4
Alachua County, FL 57.8 Elevated -13.2
Baker County, FL 56.5 Elevated -14.6
Clay County, FL 50.1 Elevated -20.9

Population Peers

County Score Zone vs. Bradford County
Grady County, GA 71.0 Serious +0.0
Tyler County, TX 71.0 Serious +0.0
Brown County, TX 71.1 Serious +0.1
Worth County, GA 71.1 Serious +0.1
Jones County, TX 71.1 Serious +0.1

Download Data

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

Find Help in Bradford County

Find an Attorney

The Florida Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

The Florida Bar — Lawyer Referral Service 1-800-342-8011

Free Legal Aid

Legal aid organizations serving Bradford County residents at no cost.

Florida Rural Legal Services (FRLS) 1-239-334-4554
Legal Services of Greater Miami (LSGMI) 1-305-576-0080
Coast to Coast Legal Aid of South Florida 1-954-736-2400
Community Legal Services of Mid-Florida (CLSMF) 1-800-405-1417
Bay Area Legal Services 1-800-625-2257
Legal Services of North Florida 1-850-385-9007
Three Rivers Legal Services 1-866-256-8091

Self-Help Resources

The Florida Bar — Foreclosure Crisis Help for Consumers Official Florida Bar resource page for homeowners facing foreclosure, including information on finding an attorney, legal aid referrals, and understanding the foreclosure process.
Florida Courts — Residential Mortgage Foreclosure Cases Florida Supreme Court page with information on residential mortgage foreclosure cases, including links to administrative orders, mediation resources, and the Managed Mediation program.
Florida AG — Resources Available to Distressed Homeowners Florida Attorney General's office page with resources for distressed homeowners, including information on mortgage fraud, foreclosure rescue scams, and how to file complaints.
Florida LawHelp Statewide legal aid directory connecting Floridians with free legal information and local legal aid providers for foreclosure prevention and other civil legal needs.

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 Florida →

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Frequently Asked Questions

  • What is the distress score for Bradford County, Florida?

    Bradford County has a County Distress Index score of 71.0 out of 100, placing it in the Serious zone. It ranks 163rd nationally out of 3,144 counties and 9th in Florida out of 67 counties.

  • What drives financial distress in Bradford County?

    The primary driver of distress in Bradford County is Debt & Delinquency, where the county scores 80.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Bradford County compare to neighboring counties?

    Bradford County (71.0) can be compared to its 5 neighboring counties: Putnam County, FL (73.5); Union County, FL (62.6); Alachua County, FL (57.8).

  • 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 Bradford County?

    Bradford County, Florida has a population of approximately 27,858 (2023 Census estimate), classified as a small county.