Franklin County, Georgia

County Distress Index: Elevated · 60.1 | 24,782 people · 100th most distressed in Georgia
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Franklin County, GA registers elevated household financial distress with a score of 60.1 — 822nd 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 100th of 159 counties. Among its 5 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Franklin County's primary driver is Community Vulnerability at 79.0 — worse than roughly 79% of U.S. counties.

Community Vulnerability Primary driver 79.0
Uninsured Rate 95
Disability Rate 63
Debt & Delinquency 74.5
Debt in Collections 85
Medical Debt 94
Student Loan Delinquency 35
Auto Loan Delinquency 90
Credit Card Delinquency 85
Bankruptcy Filing Rate 58
Income & Poverty 68.9
Poverty Rate 72
Income vs. State Median 58
Child Poverty Rate 76
Employment & Wages 39.8
Unemployment Rate 27
Wage-to-Rent Ratio 60
Business Formation Rate 33
Housing Cost Burden 38.4
Rent-Burdened (30%+) 15
Severely Rent-Burdened (50%+) 23
Mortgage-Burdened (30%+) 47
Homeownership Rate 41
Rent-to-Income Ratio 67

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

Neighbors and Peers

How Franklin County compares to its 5 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Franklin County
Franklin County, GA 60.1 Elevated —
Stephens County, GA 67.1 Serious +7.0
Hart County, GA 59.7 Elevated -0.5
Madison County, GA 57.9 Elevated -2.2
Oconee County, SC 48.3 Normal -11.8
Banks County, GA 48.1 Normal -12.0

Population Peers

County Score Zone vs. Franklin County
Lassen County, CA 60.1 Elevated +0.0
Chambers County, AL 60.1 Elevated -0.0
Tate County, MS 60.1 Elevated +0.0
Prowers County, CO 60.2 Elevated +0.1
Churchill County, NV 60.2 Elevated +0.1

Download Data

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

Find Help in Franklin 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 Franklin 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

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Georgia →

Continue Reading

Frequently Asked Questions

  • What is the distress score for Franklin County, Georgia?

    Franklin County has a County Distress Index score of 60.1 out of 100, placing it in the Elevated zone. It ranks 822nd nationally out of 3,144 counties and 100th in Georgia out of 159 counties.

  • What drives financial distress in Franklin County?

    The primary driver of distress in Franklin County is Community Vulnerability, where the county scores 79.0 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Franklin County compare to neighboring counties?

    Franklin County (60.1) can be compared to its 5 neighboring counties: Stephens County, GA (67.1); Hart County, GA (59.7); 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 Franklin County?

    Franklin County, Georgia has a population of approximately 24,782 (2023 Census estimate), classified as a small county.