Carroll County, Georgia
Above the national median for rent-to-income ratio — and 2.6× the rate of the healthiest U.S. county (Steele County, ND — 12%).
Main Findings
Carroll County, Georgia ranks 538th most distressed in the United States on the County Distress Index. The driver: a rent-to-income ratio of 31% — above the national median of 21%. Its highest-scoring domain is Debt Burden (housing basis).
- 538th of 3,144 counties on the County Distress Index — 69.2 · moderate-high county distress, 66th in Georgia.
- A rent-to-income ratio of 31% (U.S. median 21%). Rent-to-income ratio at the 96th percentile nationally. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
- Auto loan delinquency at 10% — national median 5%, ranked at the 91st percentile. Source: Urban Institute Debt in America (2025).
- Bankruptcy filing rate at 317 — national median 126, ranked at the 93rd percentile. Source: Administrative Office of the U.S. Courts, F-5A (2025).
- Uninsured rate at 13% — national median 8%, ranked at the 80th percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
Unemployment is 3%, near the national median of 4%, while auto loan delinquency runs at the 91st percentile. Jobs exist; wages don't close the gap.
Neighbors span three CDI score labels. The 22-point drop to Coweta County marks where the Georgia distress corridor ends.
Carroll County has a moderate-high county distress score. The domain mix shows whether pressure is concentrated or spread across the profile.
The CDI gives this county a moderate-high county distress label. The domain table shows whether the score comes from debt, labor, safety-net pressure, or a mix. Its highest-scoring domain is Debt Burden (housing basis).
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Carroll County's CDI Score
Every number traces to a public source. Carroll County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Carroll | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 89 · Rank 248 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 10% | 8% | 5% | 91st | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 8% | 8% | 5% | 87th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 36% | 36% | 23% | 90th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 88 · Rank 201 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 33% | 36% | 23% | 83rd | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 317 | 255 | 126 | 93rd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 95 · Rank 58 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 31% | 24% | 21% | 96th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 27% | 19% | 18% | 93rd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 22 · Rank 2,383 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 3% | 4% | 22nd | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 52 · Rank 1,520 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 18% | 26% | 18% | 51st | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 15% | 16% | 16% | 42nd | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 14% | 18% | 14% | 56th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 13% | 13% | 8% | 80th | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Carroll County data — in under 60 seconds.
Draft wire copy 127-word AP-style article — use freely with attribution
CARROLLTON, Ga. — Carroll County ranks 538th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 69.2 out of 100 gives Carroll a moderate-high county distress label. Among 3,144 U.S. counties scored, 537 counties rank more distressed. Within Georgia, Carroll ranks 66th of 159 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies debt burden (housing basis) as the primary driver in Carroll. A rent-to-income ratio of 31% — above the national median of 21%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Carroll County's CDI score, and what does it mean?
What drives Carroll County's distress score?
How does Carroll County compare to its neighbors?
How is the County Distress Index calculated?
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