Flagler County, Florida

County Distress Index: Elevated · 54.5 | 131,439 people · 53rd most distressed in Florida
American Default Research

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Flagler County, FL registers elevated household financial distress with a score of 54.5 — 1253rd nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Florida, it ranks 53rd of 67 counties. Among its 3 neighboring counties, 2 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Flagler County's primary driver is Housing Cost Burden at 74.9 — above the national median.

Housing Cost Burden Primary driver 74.9
Rent-Burdened (30%+) 97
Severely Rent-Burdened (50%+) 92
Mortgage-Burdened (30%+) 79
Homeownership Rate 12
Rent-to-Income Ratio 94
Employment & Wages 63.7
Unemployment Rate 87
Wage-to-Rent Ratio 98
Business Formation Rate 6
Community Vulnerability 58.9
Uninsured Rate 70
Disability Rate 48
Debt & Delinquency 51.3
Debt in Collections 43
Medical Debt 47
Student Loan Delinquency 43
Auto Loan Delinquency 48
Credit Card Delinquency 46
Bankruptcy Filing Rate 81
Income & Poverty 23.7
Poverty Rate 12
Income vs. State Median 26
Child Poverty Rate 33

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

Neighbors and Peers

How Flagler County compares to its 3 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Flagler County
Flagler County, FL 54.5 Elevated —
Putnam County, FL 73.5 Serious +19.1
Volusia County, FL 65.8 Serious +11.4
St. Johns County, FL 34.2 Healthy -20.3

Population Peers

County Score Zone vs. Flagler County
Huron County, OH 54.5 Elevated -0.0
Jackson County, OR 54.5 Elevated +0.0
Lee County, NC 54.5 Elevated +0.1
Cowlitz County, WA 54.5 Elevated +0.1
Carbon County, PA 54.6 Elevated +0.1

Download Data

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

Find Help in Flagler 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 Flagler 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 Flagler County, Florida?

    Flagler County has a County Distress Index score of 54.5 out of 100, placing it in the Elevated zone. It ranks 1,253rd nationally out of 3,144 counties and 53rd in Florida out of 67 counties.

  • What drives financial distress in Flagler County?

    The primary driver of distress in Flagler County is Housing Cost Burden, where the county scores 74.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Flagler County compare to neighboring counties?

    Flagler County (54.5) can be compared to its 3 neighboring counties: Putnam County, FL (73.5); Volusia County, FL (65.8); St. Johns County, FL (34.2).

  • 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 Flagler County?

    Flagler County, Florida has a population of approximately 131,439 (2023 Census estimate), classified as a mid county.