Wakulla County, Florida

County Distress Index: Normal · 44.9 | 36,449 people · 65th most distressed in Florida
American Default Research

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Wakulla County, FL falls within the normal range for household financial distress at 44.9 — 1998th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Florida, it ranks 65th 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. Wakulla County's primary driver is Debt & Delinquency at 67.0 — above the national median.

Debt & Delinquency Primary driver 67.0
Debt in Collections 70
Medical Debt 65
Student Loan Delinquency 83
Auto Loan Delinquency 42
Credit Card Delinquency 74
Bankruptcy Filing Rate 67
Employment & Wages 51.7
Unemployment Rate 61
Wage-to-Rent Ratio 78
Business Formation Rate 16
Housing Cost Burden 48.8
Rent-Burdened (30%+) 70
Severely Rent-Burdened (50%+) 50
Mortgage-Burdened (30%+) 82
Homeownership Rate 5
Rent-to-Income Ratio 36
Community Vulnerability 28.7
Uninsured Rate 36
Disability Rate 21
Income & Poverty 28.3
Poverty Rate 24
Income vs. State Median 30
Child Poverty Rate 31

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Wakulla County
Wakulla County, FL 44.9 Normal —
Liberty County, FL 70.2 Serious +25.3
Jefferson County, FL 67.8 Serious +23.0
Franklin County, FL 67.1 Serious +22.2
Leon County, FL 59.5 Elevated +14.6

Population Peers

County Score Zone vs. Wakulla County
Lee County, GA 44.9 Normal 0.0
Union County, IA 45.0 Normal +0.1
Sanpete County, UT 45.0 Normal +0.1
Clay County, IN 45.0 Normal +0.1
White County, IN 45.0 Normal +0.1

Download Data

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

Find Help in Wakulla 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 Wakulla 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 Wakulla County, Florida?

    Wakulla County has a County Distress Index score of 44.9 out of 100, placing it in the Normal zone. It ranks 1,998th nationally out of 3,144 counties and 65th in Florida out of 67 counties.

  • What drives financial distress in Wakulla County?

    The primary driver of distress in Wakulla County is Debt & Delinquency, where the county scores 67.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Wakulla County compare to neighboring counties?

    Wakulla County (44.9) can be compared to its 4 neighboring counties: Liberty County, FL (70.2); Jefferson County, FL (67.8); Franklin County, FL (67.1).

  • 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 Wakulla County?

    Wakulla County, Florida has a population of approximately 36,449 (2023 Census estimate), classified as a small county.