Union County, Florida

County Distress Index: Elevated · 62.6 | 15,532 people · 33rd most distressed in Florida
American Default Research

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Union County, FL registers elevated household financial distress with a score of 62.6 — 642nd nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Florida, it ranks 33rd of 67 counties. Its score is in the middle of its 4 neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Union County's primary driver is Income & Poverty at 72.7 — above the national median.

Income & Poverty Primary driver 72.7
Poverty Rate 84
Income vs. State Median 71
Child Poverty Rate 63
Debt & Delinquency 72.5
Debt in Collections 95
Medical Debt 58
Student Loan Delinquency 70
Auto Loan Delinquency 68
Credit Card Delinquency 95
Bankruptcy Filing Rate 48
Community Vulnerability 69.0
Uninsured Rate 62
Disability Rate 76
Employment & Wages 68.2
Unemployment Rate 92
Wage-to-Rent Ratio 56
Business Formation Rate 56
Housing Cost Burden 30.8
Rent-Burdened (30%+) 17
Severely Rent-Burdened (50%+) 11
Mortgage-Burdened (30%+) 11
Homeownership Rate 54
Rent-to-Income Ratio 61

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Union County
Union County, FL 62.6 Elevated —
Bradford County, FL 71.0 Serious +8.4
Columbia County, FL 70.7 Serious +8.1
Alachua County, FL 57.8 Elevated -4.8
Baker County, FL 56.5 Elevated -6.2

Population Peers

County Score Zone vs. Union County
Warren County, MS 62.6 Elevated +0.0
Montague County, TX 62.6 Elevated -0.0
Colfax County, NM 62.6 Elevated -0.0
Fayette County, IN 62.7 Elevated +0.0
Saluda County, SC 62.6 Elevated -0.0

Download Data

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

Find Help in Union 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 Union 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 Union County, Florida?

    Union County has a County Distress Index score of 62.6 out of 100, placing it in the Elevated zone. It ranks 642nd nationally out of 3,144 counties and 33rd in Florida out of 67 counties.

  • What drives financial distress in Union County?

    The primary driver of distress in Union County is Income & Poverty, where the county scores 72.7 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Union County compare to neighboring counties?

    Union County (62.6) can be compared to its 4 neighboring counties: Bradford County, FL (71.0); Columbia County, FL (70.7); Alachua County, FL (57.8).

  • 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 Union County?

    Union County, Florida has a population of approximately 15,532 (2023 Census estimate), classified as a small county.