Carroll County, Georgia

County Distress Index: Elevated · 61.3 | 127,098 people · 95th most distressed in Georgia
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Carroll County, GA registers elevated household financial distress with a score of 61.3 — 730th 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 95th of 159 counties. Among its 8 neighboring counties, 7 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Carroll County's primary driver is Debt & Delinquency at 80.5 — worse than roughly 81% of U.S. counties.

Debt & Delinquency Primary driver 80.5
Debt in Collections 83
Medical Debt 61
Student Loan Delinquency 68
Auto Loan Delinquency 91
Credit Card Delinquency 87
Bankruptcy Filing Rate 93
Housing Cost Burden 78.0
Rent-Burdened (30%+) 88
Severely Rent-Burdened (50%+) 93
Mortgage-Burdened (30%+) 39
Homeownership Rate 73
Rent-to-Income Ratio 96
Community Vulnerability 60.9
Uninsured Rate 80
Disability Rate 42
Employment & Wages 47.8
Unemployment Rate 30
Wage-to-Rent Ratio 95
Business Formation Rate 18
Income & Poverty 39.4
Poverty Rate 56
Income vs. State Median 11
Child Poverty Rate 51

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

Neighbors and Peers

How Carroll County compares to its 8 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Carroll County
Carroll County, GA 61.3 Elevated —
Heard County, GA 68.9 Serious +7.6
Douglas County, GA 58.3 Elevated -3.0
Haralson County, GA 57.1 Elevated -4.2
Randolph County, AL 52.9 Elevated -8.5
Fulton County, GA 49.5 Normal -11.9
Cleburne County, AL 49.3 Normal -12.1
Paulding County, GA 45.1 Normal -16.2
Coweta County, GA 42.8 Normal -18.5

Population Peers

County Score Zone vs. Carroll County
Cherokee County, TX 61.3 Elevated 0.0
Kent County, DE 61.4 Elevated +0.1
Coryell County, TX 61.2 Elevated -0.1
Sutter County, CA 61.2 Elevated -0.1
Isabella County, MI 61.5 Elevated +0.1

Download Data

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

Find Help in Carroll 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 Carroll 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 Carroll County, Georgia?

    Carroll County has a County Distress Index score of 61.3 out of 100, placing it in the Elevated zone. It ranks 730th nationally out of 3,144 counties and 95th in Georgia out of 159 counties.

  • What drives financial distress in Carroll County?

    The primary driver of distress in Carroll County is Debt & Delinquency, where the county scores 80.5 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Carroll County compare to neighboring counties?

    Carroll County (61.3) can be compared to its 8 neighboring counties: Heard County, GA (68.9); Douglas County, GA (58.3); Haralson County, GA (57.1).

  • 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 Carroll County?

    Carroll County, Georgia has a population of approximately 127,098 (2023 Census estimate), classified as a mid county.