Calhoun County, Florida

County Distress Index: Serious · 74.9 | 13,470 people · 4th most distressed in Florida
American Default Research

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Calhoun County, FL shows significant household financial distress with a score of 74.9 — 69th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Florida, it ranks 4th 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. Calhoun County's primary driver is Community Vulnerability at 94.9 — worse than roughly 95% of U.S. counties.

Community Vulnerability Primary driver 94.9
Uninsured Rate 95
Disability Rate 95
Income & Poverty 90.4
Poverty Rate 92
Income vs. State Median 95
Child Poverty Rate 84
Debt & Delinquency 69.3
Debt in Collections 84
Medical Debt 95
Student Loan Delinquency 70
Auto Loan Delinquency 87
Credit Card Delinquency 65
Bankruptcy Filing Rate 15
Employment & Wages 61.0
Unemployment Rate 87
Wage-to-Rent Ratio 71
Business Formation Rate 24
Housing Cost Burden 58.9
Rent-Burdened (30%+) 86
Severely Rent-Burdened (50%+) 90
Mortgage-Burdened (30%+) 5
Homeownership Rate 36
Rent-to-Income Ratio 78

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Calhoun County
Calhoun County, FL 74.9 Serious —
Gadsden County, FL 80.3 Crisis +5.4
Jackson County, FL 73.0 Serious -1.9
Liberty County, FL 70.2 Serious -4.6
Bay County, FL 63.2 Elevated -11.6
Gulf County, FL 61.8 Elevated -13.1

Population Peers

County Score Zone vs. Calhoun County
Coahoma County, MS 74.9 Serious +0.0
St. Francis County, AR 74.9 Serious +0.0
Barnwell County, SC 74.9 Serious +0.1
Trinity County, TX 74.8 Serious -0.1
Union County, SC 74.8 Serious -0.1

Download Data

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

Find Help in Calhoun 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 Calhoun 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 Calhoun County, Florida?

    Calhoun County has a County Distress Index score of 74.9 out of 100, placing it in the Serious zone. It ranks 69th nationally out of 3,144 counties and 4th in Florida out of 67 counties.

  • What drives financial distress in Calhoun County?

    The primary driver of distress in Calhoun County is Community Vulnerability, where the county scores 94.9 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Calhoun County compare to neighboring counties?

    Calhoun County (74.9) can be compared to its 5 neighboring counties: Gadsden County, FL (80.3); Jackson County, FL (73.0); Liberty County, FL (70.2).

  • 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 Calhoun County?

    Calhoun County, Florida has a population of approximately 13,470 (2023 Census estimate), classified as a small county.