Floyd County, Georgia

County Distress Index: Serious · 68.4 | 100,113 people · 47th most distressed in Georgia
American Default Research

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Floyd County, GA shows significant household financial distress with a score of 68.4 — 292nd 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 47th of 159 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Floyd County's primary driver is Debt & Delinquency at 84.3 — worse than roughly 84% of U.S. counties.

Debt & Delinquency Primary driver 84.3
Debt in Collections 87
Medical Debt 97
Student Loan Delinquency 83
Auto Loan Delinquency 75
Credit Card Delinquency 81
Bankruptcy Filing Rate 83
Community Vulnerability 74.6
Uninsured Rate 84
Disability Rate 65
Housing Cost Burden 73.3
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 79
Mortgage-Burdened (30%+) 46
Homeownership Rate 90
Rent-to-Income Ratio 70
Income & Poverty 60.8
Poverty Rate 73
Income vs. State Median 26
Child Poverty Rate 83
Employment & Wages 48.9
Unemployment Rate 34
Wage-to-Rent Ratio 75
Business Formation Rate 38

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Floyd County
Floyd County, GA 68.4 Serious —
Chattooga County, GA 72.2 Serious +3.8
Walker County, GA 70.1 Serious +1.7
Polk County, GA 68.2 Serious -0.2
Bartow County, GA 52.3 Elevated -16.1
Cherokee County, AL 50.5 Elevated -17.9
Gordon County, GA 49.0 Normal -19.4

Population Peers

County Score Zone vs. Floyd County
Mohave County, AZ 68.3 Serious -0.1
Tangipahoa Parish, LA 68.5 Serious +0.1
Scioto County, OH 68.5 Serious +0.1
Wilson County, NC 68.3 Serious -0.1
Chaves County, NM 68.5 Serious +0.2

Download Data

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

Find Help in Floyd 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 Floyd 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 Floyd County, Georgia?

    Floyd County has a County Distress Index score of 68.4 out of 100, placing it in the Serious zone. It ranks 292nd nationally out of 3,144 counties and 47th in Georgia out of 159 counties.

  • What drives financial distress in Floyd County?

    The primary driver of distress in Floyd County is Debt & Delinquency, where the county scores 84.3 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Floyd County compare to neighboring counties?

    Floyd County (68.4) can be compared to its 6 neighboring counties: Chattooga County, GA (72.2); Walker County, GA (70.1); Polk County, GA (68.2).

  • 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 Floyd County?

    Floyd County, Georgia has a population of approximately 100,113 (2023 Census estimate), classified as a mid county.