Jefferson County, Florida
Above the national median for rent-to-income ratio — and 2.3× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Jefferson County, Florida ranks 439th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 27% — above the national median of 21%.
- 439th of 3,144 counties on the County Distress Index — Most distressed fifth, 35th in Florida.
- A rent-to-income ratio of 27% (U.S. median 21%). Rent-to-income ratio at the 89th percentile nationally.
- Child poverty rate at 43% — national median 18%, ranked at the 95th percentile.
- Unemployment at 4% — national median 4%, ranked at the 74th percentile.
- Credit card delinquency at 8% — national median 5%, ranked at the 88th percentile.
Neighbors span two CDI distress fifths. The 22-point drop to Wakulla County marks where the Florida distress corridor ends.
"Jefferson County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
43% of children under 18 in Jefferson County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
The Indicators Behind Jefferson County's CDI Score
Every number traces to a public source. Jefferson County's value shown alongside FL's median and the U.S. median. Full CSV available for download.
| Indicator | Jefferson | FL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 69 · Rank 912 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 5% | 6% | 5% | 47th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 7% | 5% | 88th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 29% | 29% | 23% | 71st | Urban Institute (2024) |
| Default & Legal — domain score 54 · Rank 1,368 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 31% | 28% | 23% | 76th | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 91 | 138 | 126 | 31st | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 82 · Rank 346 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 27% | 27% | 21% | 89th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 25% | 18% | 75th | Census ACS 5-yr (2023) |
| Labor — domain score 74 · Rank 791 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 5% | 4% | 74th | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 75 · Rank 618 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 43% | 19% | 18% | 95th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 20% | 17% | 16% | 83rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 24% | 14% | 14% | 93rd | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 26% | 27% | 27% | 47th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 12% | 8% | 63rd | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Jefferson County data — in under 60 seconds.
Draft wire copy 145-word AP-style article — use freely with attribution
MONTICELLO, Fla. — Jefferson County ranks 439th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 71 out of 100 places Jefferson in the most distressed fifth. Among 3,144 U.S. counties scored, 438 counties rank more distressed. Within Florida, Jefferson ranks 35th of 67 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Jefferson. A rent-to-income ratio of 27% — above the national median of 21%.
"Jefferson County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Jefferson County's CDI score, and what does it mean?
What drives Jefferson County's distress score?
How does Jefferson County compare to its neighbors?
How is the County Distress Index calculated?
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