Grady County, Georgia

County Distress Index: Serious · 71.0 | 26,066 people · 24th most distressed in Georgia
American Default Research

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Grady County, GA shows significant household financial distress with a score of 71.0 — 162nd 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 24th of 159 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Grady County's primary driver is Debt & Delinquency at 90.9 — worse than roughly 91% of U.S. counties.

Debt & Delinquency Primary driver 90.9
Debt in Collections 94
Medical Debt 97
Student Loan Delinquency 99
Auto Loan Delinquency 82
Credit Card Delinquency 84
Bankruptcy Filing Rate 90
Community Vulnerability 85.5
Uninsured Rate 96
Disability Rate 75
Income & Poverty 77.9
Poverty Rate 85
Income vs. State Median 62
Child Poverty Rate 87
Housing Cost Burden 69.9
Rent-Burdened (30%+) 76
Severely Rent-Burdened (50%+) 88
Mortgage-Burdened (30%+) 39
Homeownership Rate 86
Rent-to-Income Ratio 61
Employment & Wages 31.0
Unemployment Rate 13
Wage-to-Rent Ratio 57
Business Formation Rate 22

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Grady County
Grady County, GA 71.0 Serious —
Gadsden County, FL 80.3 Crisis +9.2
Mitchell County, GA 79.6 Serious +8.5
Decatur County, GA 70.7 Serious -0.3
Thomas County, GA 66.3 Serious -4.8
Leon County, FL 59.5 Elevated -11.5

Population Peers

County Score Zone vs. Grady County
Tyler County, TX 71.0 Serious +0.0
Bradford County, FL 71.0 Serious -0.0
Brown County, TX 71.1 Serious +0.0
Worth County, GA 71.1 Serious +0.1
Jones County, TX 71.1 Serious +0.1

Download Data

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

Find Help in Grady 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 Grady 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 Grady County, Georgia?

    Grady County has a County Distress Index score of 71.0 out of 100, placing it in the Serious zone. It ranks 162nd nationally out of 3,144 counties and 24th in Georgia out of 159 counties.

  • What drives financial distress in Grady County?

    The primary driver of distress in Grady County is Debt & Delinquency, where the county scores 90.9 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Grady County compare to neighboring counties?

    Grady County (71.0) can be compared to its 5 neighboring counties: Gadsden County, FL (80.3); Mitchell County, GA (79.6); Decatur County, GA (70.7).

  • 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 Grady County?

    Grady County, Georgia has a population of approximately 26,066 (2023 Census estimate), classified as a small county.