Seminole County, Florida

County Distress Index: Elevated · 51.1 | 484,271 people · 57th most distressed in Florida
American Default Research

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Seminole County, FL registers elevated household financial distress with a score of 51.1 — 1508th 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 57th of 67 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Seminole County's primary driver is Housing Cost Burden at 90.9 — worse than roughly 91% of U.S. counties.

Housing Cost Burden Primary driver 90.9
Rent-Burdened (30%+) 99
Severely Rent-Burdened (50%+) 92
Mortgage-Burdened (30%+) 87
Homeownership Rate 82
Rent-to-Income Ratio 94
Debt & Delinquency 58.9
Debt in Collections 52
Medical Debt 65
Student Loan Delinquency 46
Auto Loan Delinquency 52
Credit Card Delinquency 60
Bankruptcy Filing Rate 78
Employment & Wages 53.3
Unemployment Rate 64
Wage-to-Rent Ratio 93
Business Formation Rate 3
Community Vulnerability 37.8
Uninsured Rate 62
Disability Rate 14
Income & Poverty 14.5
Poverty Rate 14
Income vs. State Median 16
Child Poverty Rate 13

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Seminole County
Seminole County, FL 51.1 Elevated —
Volusia County, FL 65.8 Serious +14.8
Orange County, FL 59.5 Elevated +8.5
Lake County, FL 58.1 Elevated +7.0
Brevard County, FL 54.8 Elevated +3.7

Population Peers

County Score Zone vs. Seminole County
Canyon County, ID 51.1 Elevated +0.0
Buncombe County, NC 51.1 Elevated +0.1
Greene County, MO 51.0 Elevated -0.1
Washoe County, NV 51.2 Elevated +0.2
Solano County, CA 50.7 Elevated -0.4

Download Data

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

Find Help in Seminole County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Seminole County.

COMMUNITY LEGAL SERVICES OF MID-FLORIDA, INC. - SANFORD OFFICE
Lake Mary
386-255-6573 Website
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
HABITAT FOR HUMANITY SEMINOLE COUNTY APOPKA
Altamonte Springs
407-696-5855-2106 Website
Financial CounselingFinancial CounselingFair HousingHome Improvement/Rehab

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 Seminole 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 Seminole County, Florida?

    Seminole County has a County Distress Index score of 51.1 out of 100, placing it in the Elevated zone. It ranks 1,508th nationally out of 3,144 counties and 57th in Florida out of 67 counties.

  • What drives financial distress in Seminole County?

    The primary driver of distress in Seminole County is Housing Cost Burden, where the county scores 90.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Seminole County compare to neighboring counties?

    Seminole County (51.1) can be compared to its 4 neighboring counties: Volusia County, FL (65.8); Orange County, FL (59.5); Lake County, FL (58.1).

  • 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 Seminole County?

    Seminole County, Florida has a population of approximately 484,271 (2023 Census estimate), classified as a large county.