Habersham County, Georgia

County Distress Index: Normal · 49.4 | 48,757 people · 136th most distressed in Georgia
American Default Research

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Habersham County, GA falls within the normal range for household financial distress at 49.4 — 1638th 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 136th of 159 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Habersham County's primary driver is Community Vulnerability at 69.1 — above the national median.

Community Vulnerability Primary driver 69.1
Uninsured Rate 85
Disability Rate 53
Debt & Delinquency 56.9
Debt in Collections 55
Medical Debt 84
Student Loan Delinquency 38
Auto Loan Delinquency 49
Credit Card Delinquency 47
Bankruptcy Filing Rate 69
Housing Cost Burden 51.4
Rent-Burdened (30%+) 56
Severely Rent-Burdened (50%+) 61
Mortgage-Burdened (30%+) 80
Homeownership Rate 49
Rent-to-Income Ratio 12
Income & Poverty 34.8
Poverty Rate 49
Income vs. State Median 10
Child Poverty Rate 45
Employment & Wages 34.7
Unemployment Rate 10
Wage-to-Rent Ratio 50
Business Formation Rate 44

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

Neighbors and Peers

How Habersham County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Habersham County
Habersham County, GA 49.4 Normal —
Stephens County, GA 67.1 Serious +17.7
Rabun County, GA 52.8 Elevated +3.4
Towns County, GA 50.9 Elevated +1.5
Hall County, GA 49.3 Normal -0.1
White County, GA 49.0 Normal -0.4
Oconee County, SC 48.3 Normal -1.1
Banks County, GA 48.1 Normal -1.3

Population Peers

County Score Zone vs. Habersham County
Lee County, IA 49.4 Normal +0.0
Pike County, MO 49.4 Normal +0.0
Pendleton County, KY 49.3 Normal -0.0
Henry County, IN 49.5 Normal +0.1
Venango County, PA 49.3 Normal -0.1

Download Data

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

Find Help in Habersham 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 Habersham 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 Habersham County, Georgia?

    Habersham County has a County Distress Index score of 49.4 out of 100, placing it in the Normal zone. It ranks 1,638th nationally out of 3,144 counties and 136th in Georgia out of 159 counties.

  • What drives financial distress in Habersham County?

    The primary driver of distress in Habersham County is Community Vulnerability, where the county scores 69.1 out of 100. This domain is measured by indicators including Uninsured Rate, Disability Rate.

  • How does Habersham County compare to neighboring counties?

    Habersham County (49.4) can be compared to its 7 neighboring counties: Stephens County, GA (67.1); Rabun County, GA (52.8); Towns County, GA (50.9).

  • 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 Habersham County?

    Habersham County, Georgia has a population of approximately 48,757 (2023 Census estimate), classified as a small county.