Baldwin County, Georgia

County Distress Index: Serious · 73.3 | 43,396 people · 16th most distressed in Georgia
American Default Research

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Baldwin County, GA shows significant household financial distress with a score of 73.3 — 97th nationally out of 3144 counties. The primary driver is Debt & Delinquency, where residents carry heavy debt burdens with elevated delinquency and collections rates. Within Georgia, it ranks 16th of 159 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Baldwin County's primary driver is Debt & Delinquency at 93.0 — worse than roughly 93% of U.S. counties.

Debt & Delinquency Primary driver 93.0
Debt in Collections 93
Medical Debt 89
Student Loan Delinquency 94
Auto Loan Delinquency 93
Credit Card Delinquency 94
Bankruptcy Filing Rate 95
Income & Poverty 81.8
Poverty Rate 90
Income vs. State Median 67
Child Poverty Rate 89
Housing Cost Burden 78.5
Rent-Burdened (30%+) 95
Severely Rent-Burdened (50%+) 95
Mortgage-Burdened (30%+) 36
Homeownership Rate 86
Rent-to-Income Ratio 80
Community Vulnerability 64.7
Uninsured Rate 76
Disability Rate 53
Employment & Wages 48.5
Unemployment Rate 52
Wage-to-Rent Ratio 77
Business Formation Rate 16

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

Neighbors and Peers

How Baldwin County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Baldwin County
Baldwin County, GA 73.3 Serious —
Hancock County, GA 77.5 Serious +4.2
Washington County, GA 70.5 Serious -2.9
Wilkinson County, GA 62.4 Elevated -10.9
Putnam County, GA 61.8 Elevated -11.5
Jones County, GA 50.5 Elevated -22.8

Population Peers

County Score Zone vs. Baldwin County
Avoyelles Parish, LA 73.3 Serious +0.0
Hopewell city, VA 73.4 Serious +0.0
Lee County, VA 73.2 Serious -0.1
Red River County, TX 73.5 Serious +0.2
Macon County, GA 73.6 Serious +0.3

Download Data

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

Find Help in Baldwin County

Find an Attorney

State Bar of Georgia Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

State Bar of Georgia Lawyer Referral Service 404-527-8700

Free Legal Aid

Legal aid organizations serving Baldwin County residents at no cost.

Atlanta Legal Aid Society 404-524-5811
Georgia Legal Services Program 1-888-257-4567
Georgia Legal Aid
State Bar of Georgia Lawyer Referral Service 404-527-8700

Self-Help Resources

Georgia Legal Aid — Housing Self-help guides for Georgia foreclosure process, rights, and defenses
DCA Georgia HAF Resources Assistance programs and housing counselor referrals

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Frequently Asked Questions

  • What is the distress score for Baldwin County, Georgia?

    Baldwin County has a County Distress Index score of 73.3 out of 100, placing it in the Serious zone. It ranks 97th nationally out of 3,144 counties and 16th in Georgia out of 159 counties.

  • What drives financial distress in Baldwin County?

    The primary driver of distress in Baldwin County is Debt & Delinquency, where the county scores 93.0 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Baldwin County compare to neighboring counties?

    Baldwin County (73.3) can be compared to its 5 neighboring counties: Hancock County, GA (77.5); Washington County, GA (70.5); Wilkinson County, GA (62.4).

  • 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 Baldwin County?

    Baldwin County, Georgia has a population of approximately 43,396 (2023 Census estimate), classified as a small county.