Banks County, Georgia

County Distress Index: Normal · 48.1 | 19,789 people · 140th most distressed in Georgia
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Banks County, GA falls within the normal range for household financial distress at 48.1 — 1737th nationally out of 3144 counties. The primary driver is Community Vulnerability, where uninsured and disability rates are well above the national average. Within Georgia, it ranks 140th of 159 counties. Among its 6 neighboring counties, 5 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Banks County's primary driver is Community Vulnerability at 73.7 — above the national median.

Community Vulnerability Primary driver 73.7
Uninsured Rate 76
Disability Rate 71
Debt & Delinquency 73.4
Debt in Collections 74
Medical Debt 83
Student Loan Delinquency 76
Auto Loan Delinquency 70
Credit Card Delinquency 65
Bankruptcy Filing Rate 71
Employment & Wages 34.6
Unemployment Rate 16
Wage-to-Rent Ratio 59
Business Formation Rate 29
Income & Poverty 31.6
Poverty Rate 39
Income vs. State Median 12
Child Poverty Rate 43
Housing Cost Burden 27.4
Rent-Burdened (30%+) 29
Severely Rent-Burdened (50%+) 24
Mortgage-Burdened (30%+) 37
Homeownership Rate 37
Rent-to-Income Ratio 9

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

Neighbors and Peers

How Banks County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Banks County
Banks County, GA 48.1 Normal —
Stephens County, GA 67.1 Serious +19.0
Franklin County, GA 60.1 Elevated +12.0
Madison County, GA 57.9 Elevated +9.8
Habersham County, GA 49.4 Normal +1.3
Hall County, GA 49.3 Normal +1.2
Jackson County, GA 39.3 Normal -8.9

Population Peers

County Score Zone vs. Banks County
Idaho County, ID 48.1 Normal -0.0
Pend Oreille County, WA 48.1 Normal -0.0
Alexander County, NC 48.2 Normal +0.0
Young County, TX 48.2 Normal +0.0
Austin County, TX 48.1 Normal -0.1

Download Data

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

Find Help in Banks 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 Banks 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 Banks County, Georgia?

    Banks County has a County Distress Index score of 48.1 out of 100, placing it in the Normal zone. It ranks 1,737th nationally out of 3,144 counties and 140th in Georgia out of 159 counties.

  • What drives financial distress in Banks County?

    The primary driver of distress in Banks County is Community Vulnerability, where the county scores 73.7 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Banks County compare to neighboring counties?

    Banks County (48.1) can be compared to its 6 neighboring counties: Stephens County, GA (67.1); Franklin County, GA (60.1); Madison County, GA (57.9).

  • 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 Banks County?

    Banks County, Georgia has a population of approximately 19,789 (2023 Census estimate), classified as a small county.