St. Johns County, Florida

County Distress Index: Healthy · 34.2 | 320,110 people · 67th most distressed in Florida
American Default Research

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St. Johns County, FL ranks among the least distressed counties in the country at 34.2 — 2688th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Florida, it ranks 67th 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. St. Johns County's primary driver is Housing Cost Burden at 62.9 — above the national median.

Housing Cost Burden Primary driver 62.9
Rent-Burdened (30%+) 98
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 86
Homeownership Rate 10
Rent-to-Income Ratio 25
Employment & Wages 54.7
Unemployment Rate 72
Wage-to-Rent Ratio 88
Business Formation Rate 4
Debt & Delinquency 30.2
Debt in Collections 19
Medical Debt 46
Student Loan Delinquency 20
Auto Loan Delinquency 22
Credit Card Delinquency 21
Bankruptcy Filing Rate 53
Community Vulnerability 20.9
Uninsured Rate 34
Disability Rate 8
Income & Poverty 2.0
Poverty Rate 2
Income vs. State Median 3
Child Poverty Rate 1

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. St. Johns County
St. Johns County, FL 34.2 Healthy —
Putnam County, FL 73.5 Serious +39.4
Duval County, FL 64.9 Elevated +30.7
Flagler County, FL 54.5 Elevated +20.3
Clay County, FL 50.1 Elevated +16.0

Population Peers

County Score Zone vs. St. Johns County
Marin County, CA 34.2 Healthy +0.1
Harford County, MD 34.4 Healthy +0.3
McHenry County, IL 33.7 Healthy -0.5
Lake County, IL 34.6 Healthy +0.5
Cumberland County, PA 34.9 Healthy +0.7

Download Data

Export all distress indicators for St. Johns County as a CSV file.

Find Help in St. Johns County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near St. Johns County.

ST. JOHNS COUNTY BOARD OF COUNTY COMMISSIONERS
St Augustine
904-209-6062 Website
Financial CounselingFinancial CounselingPost-PurchasePre-Purchase

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 St. Johns 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 St. Johns County, Florida?

    St. Johns County has a County Distress Index score of 34.2 out of 100, placing it in the Healthy zone. It ranks 2,688th nationally out of 3,144 counties and 67th in Florida out of 67 counties.

  • What drives financial distress in St. Johns County?

    The primary driver of distress in St. Johns County is Housing Cost Burden, where the county scores 62.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does St. Johns County compare to neighboring counties?

    St. Johns County (34.2) can be compared to its 4 neighboring counties: Putnam County, FL (73.5); Duval County, FL (64.9); Flagler County, FL (54.5).

  • 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 St. Johns County?

    St. Johns County, Florida has a population of approximately 320,110 (2023 Census estimate), classified as a large county.