Effingham County, Georgia
More than double the national median of residents with medical debt in collections.
Main Findings
Effingham County, Georgia ranks 1,240th most distressed in the United States on the County Distress Index. The driver: 9% of residents with a credit file carry medical debt in collections — more than double the national median of 4%.
- 1,240th of 3,144 counties on the County Distress Index — Elevated zone, 139th in Georgia.
- 9% of residents with a credit file carry medical debt in collections (U.S. median 4%). Medical debt in collections at the 86th percentile nationally.
- Bankruptcy filing rate at 236 — national median 126, ranked at the 83rd percentile.
- Wage-to-rent ratio at 2.7× — national median 4.0×, ranked at the 94th percentile.
- Owner housing burden at 28% — national median 24%, ranked at the 83rd percentile.
Neighbors span two CDI zones. The 23-point drop to Bryan County marks where the Georgia distress corridor ends.
"Effingham County is where distress lives in the margins. A county where most households are running out of runway, even as the headline numbers stay quiet."
"Elevated-zone counties are the largest block in the index. Most Americans live in counties scoring 55–70 — middle-class households doing the math every month."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Effingham County's business formation rate indicator is at the 17th percentile — while every other indicator in the Economic Vitality domain sits at or above the 63rd percentile. The gap stands out against wage-to-rent ratio. Worth a call to Urban Institute or a local credit counselor in Springfield.
The Indicators Behind Effingham County's CDI Score
Every number traces to a public source. Effingham County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Effingham | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Consumer Credit Distress — domain score 73 · Rank 734 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 29% | 36% | 23% | 71st | Urban Institute (2024) |
| Medical debt in collections Share of residents with a credit file who have medical debt in collections | 9% | 10% | 4% | 86th | Urban Institute (2024) |
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 8% | 5% | 59th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 8% | 5% | 75th | Urban Institute (2024) |
| Uninsured rate Share of residents without health insurance coverage | 10% | 13% | 8% | 62nd | Census ACS 5-yr (2023) |
| Subprime credit share Share of residents with a credit score below 660 | 32% | 36% | 23% | 81st | Urban Institute (2024) |
| Housing Cost Burden — domain score 30 · Rank 2,398 of 3,144 | |||||
| Rent burden (30%+) Share of renter households paying 30%+ of income on rent | 28% | 39% | 38% | 17th | Census ACS 5-yr (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 14% | 19% | 18% | 29th | Census ACS 5-yr (2023) |
| Owner housing burden Share of owner households paying 30%+ of income on housing | 28% | 24% | 24% | 83rd | Census ACS 5-yr (2023) |
| Homeownership rate Share of occupied housing units that are owner-occupied | 78% | 71% | 74% | 26th | Census ACS 5-yr (2023) |
| Structural Poverty — domain score 11 · Rank 3,010 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 3% | 4% | 4% | 6th | BLS LAUS (Dec 2025) |
| Poverty rate Share of population below the federal poverty line | 8% | 18% | 14% | 10th | Census SAIPE (2023) |
| Household income relative to state Median household income as share of state median | 1.53× | 1.00× | 1.00× | 4th | Census SAIPE (2023) |
| Child poverty rate Share of children under 18 below the federal poverty line | 10% | 26% | 18% | 12th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 12% | 16% | 16% | 14th | Census ACS 5-yr (2023) |
| Transfer-income dependency Share of personal income from government transfers | 19% | 30% | 27% | 18th | BEA Regional Personal Income (2023) |
| Legal Distress — domain score 83 · Rank 540 of 3,144 | |||||
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 236 | 255 | 126 | 83rd | US Courts F-5A (2025) |
| Economic Vitality — domain score 72 · Rank 417 of 3,144 | |||||
| Wage-to-rent ratio Ratio of average weekly wage to fair-market rent | 2.7× | 3.6× | 4.0× | 94th | BLS QCEW × HUD FMR (2024) |
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 24% | 24% | 21% | 74th | HUD FMR × Census ACS (2024) |
| Business formation rate New business applications per 1,000 residents | 14.7 | 13.8 | 10.0 | 17th | Census Business Formation Statistics (2024) |
| House price change (yoy) House price index year-over-year change | 3% | 3% | 4% | 63rd | FHFA HPI (2024) |
Five-Domain Breakdown
The CDI is a PCA-weighted composite of five statistically derived factors. Weights are proportional to each factor's share of explained variance across 3,144 counties.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. A score of 50 represents the national county median; higher scores indicate greater distress. The index is built from 21 indicators grouped into five statistically derived factors via principal component analysis (PCA); factor weights are proportional to each factor's share of explained variance (shown in the Five-Domain Breakdown above).
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Effingham County data — in under 60 seconds.
Draft wire copy 155-word AP-style article — use freely with attribution
SPRINGFIELD, Ga. — Effingham County ranks 1,240th 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 55 out of 100 places Effingham in the "Elevated" zone. Among 3,144 U.S. counties scored, 1,239 counties rank more distressed. Within Georgia, Effingham ranks 139th of 159 counties.
The index, which draws on 21 indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies consumer credit distress as the primary driver in Effingham. 9% of residents with a credit file carry medical debt in collections — more than double the national median of 4%.
"Effingham County is where distress lives in the margins. A county where most households are running out of runway, even as the headline numbers stay quiet," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Effingham County's CDI score, and what does it mean?
What drives Effingham County's distress score?
How does Effingham County compare to its neighbors?
How is the County Distress Index calculated?
Effingham County resident looking for help? HUD counselors, legal aid, and attorney referrals →