Citrus County, Florida

County Distress Index: Serious · 69.5 | 166,696 people · 13th most distressed in Florida
American Default Research

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Citrus County, FL shows significant household financial distress with a score of 69.5 — 235th 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 13th of 67 counties. It scores higher than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Citrus County's primary driver is Community Vulnerability at 81.0 — worse than roughly 81% of U.S. counties.

Community Vulnerability Primary driver 81.0
Uninsured Rate 74
Disability Rate 88
Income & Poverty 73.7
Poverty Rate 66
Income vs. State Median 89
Child Poverty Rate 66
Employment & Wages 66.0
Unemployment Rate 96
Wage-to-Rent Ratio 80
Business Formation Rate 22
Housing Cost Burden 63.5
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 41
Homeownership Rate 4
Rent-to-Income Ratio 88
Debt & Delinquency 63.2
Debt in Collections 58
Medical Debt 56
Student Loan Delinquency 78
Auto Loan Delinquency 62
Credit Card Delinquency 72
Bankruptcy Filing Rate 53

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

Neighbors and Peers

How Citrus County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Citrus County
Citrus County, FL 69.5 Serious —
Marion County, FL 68.7 Serious -0.8
Levy County, FL 67.1 Serious -2.4
Hernando County, FL 66.2 Serious -3.3
Sumter County, FL 50.2 Elevated -19.3

Population Peers

County Score Zone vs. Citrus County
Gila County, AZ 69.6 Serious +0.1
Darlington County, SC 69.4 Serious -0.1
Wyandotte County, KS 69.3 Serious -0.2
Kings County, CA 69.8 Serious +0.3
Madera County, CA 69.8 Serious +0.3

Download Data

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

Find Help in Citrus County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Citrus County.

COMMUNITY LEGAL SERVICES OF MID-FLORIDA, INC. - INVERNESS OFFICE
Inverness
386-255-6573 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
UNIVERSITY OF FLORIDA/FLORIDA COOPERATIVE EXTENSION - CITRUS COUNTY COOPERATIVE EXTENSION SERVICE
LECANTO
352-527-5700 Website
Financial CounselingHomebuyer Education

See all counselors in Florida →

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 Citrus 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 Citrus County, Florida?

    Citrus County has a County Distress Index score of 69.5 out of 100, placing it in the Serious zone. It ranks 235th nationally out of 3,144 counties and 13th in Florida out of 67 counties.

  • What drives financial distress in Citrus County?

    The primary driver of distress in Citrus County is Community Vulnerability, where the county scores 81.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Citrus County compare to neighboring counties?

    Citrus County (69.5) can be compared to its 4 neighboring counties: Marion County, FL (68.7); Levy County, FL (67.1); Hernando County, FL (66.2).

  • 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 Citrus County?

    Citrus County, Florida has a population of approximately 166,696 (2023 Census estimate), classified as a mid county.