Franklin County, Florida

County Distress Index: Serious · 67.1 | 12,594 people · 22nd most distressed in Florida
American Default Research

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Franklin County, FL shows significant household financial distress with a score of 67.1 — 372nd 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 22nd of 67 counties. Among its 3 neighboring counties, 2 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Franklin County's primary driver is Community Vulnerability at 88.3 — worse than roughly 88% of U.S. counties.

Community Vulnerability Primary driver 88.3
Uninsured Rate 89
Disability Rate 88
Income & Poverty 81.0
Poverty Rate 71
Income vs. State Median 86
Child Poverty Rate 86
Employment & Wages 59.6
Unemployment Rate 86
Wage-to-Rent Ratio 87
Business Formation Rate 6
Housing Cost Burden 56.4
Rent-Burdened (30%+) 63
Severely Rent-Burdened (50%+) 52
Mortgage-Burdened (30%+) 50
Homeownership Rate 34
Rent-to-Income Ratio 82
Debt & Delinquency 50.2
Debt in Collections 68
Medical Debt 55
Student Loan Delinquency 70
Auto Loan Delinquency 56
Credit Card Delinquency 46
Bankruptcy Filing Rate 6

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Franklin County
Franklin County, FL 67.1 Serious —
Liberty County, FL 70.2 Serious +3.2
Gulf County, FL 61.8 Elevated -5.3
Wakulla County, FL 44.9 Normal -22.2

Population Peers

County Score Zone vs. Franklin County
Levy County, FL 67.1 Serious -0.0
Tattnall County, GA 67.1 Serious -0.0
Estill County, KY 67.0 Serious -0.0
Stephens County, GA 67.1 Serious +0.0
Jeff Davis County, GA 67.1 Serious +0.1

Download Data

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

Find Help in Franklin 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 Franklin 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 Franklin County, Florida?

    Franklin County has a County Distress Index score of 67.1 out of 100, placing it in the Serious zone. It ranks 372nd nationally out of 3,144 counties and 22nd in Florida out of 67 counties.

  • What drives financial distress in Franklin County?

    The primary driver of distress in Franklin County is Community Vulnerability, where the county scores 88.3 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Franklin County compare to neighboring counties?

    Franklin County (67.1) can be compared to its 3 neighboring counties: Liberty County, FL (70.2); Gulf County, FL (61.8); Wakulla County, FL (44.9).

  • 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 Franklin County?

    Franklin County, Florida has a population of approximately 12,594 (2023 Census estimate), classified as a small county.