Irwin County, Georgia

County Distress Index: Elevated · 60.5 | 9,120 people · 99th most distressed in Georgia
American Default Research

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Irwin County, GA registers elevated household financial distress with a score of 60.5 — 799th 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 99th of 159 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Irwin County's primary driver is Debt & Delinquency at 90.8 — worse than roughly 91% of U.S. counties.

Debt & Delinquency Primary driver 90.8
Debt in Collections 85
Medical Debt 91
Student Loan Delinquency 85
Auto Loan Delinquency 94
Credit Card Delinquency 95
Bankruptcy Filing Rate 95
Income & Poverty 77.9
Poverty Rate 84
Income vs. State Median 59
Child Poverty Rate 90
Community Vulnerability 50.0
Uninsured Rate 95
Disability Rate 5
Employment & Wages 44.5
Unemployment Rate 34
Wage-to-Rent Ratio 74
Business Formation Rate 25
Housing Cost Burden 39.3
Rent-Burdened (30%+) 25
Severely Rent-Burdened (50%+) 17
Mortgage-Burdened (30%+) 11
Homeownership Rate 65
Rent-to-Income Ratio 78

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Irwin County
Irwin County, GA 60.5 Elevated —
Turner County, GA 68.7 Serious +8.2
Ben Hill County, GA 68.7 Serious +8.2
Coffee County, GA 66.5 Serious +6.0
Berrien County, GA 65.4 Serious +4.9
Tift County, GA 58.5 Elevated -2.0

Population Peers

County Score Zone vs. Irwin County
Franklin County, MS 60.5 Elevated -0.0
Briscoe County, TX 60.6 Elevated +0.1
Prince of Wales-Hyder Census Area, AK 60.6 Elevated +0.1
Catron County, NM 60.4 Elevated -0.1
Dillingham Census Area, AK 60.7 Elevated +0.2

Download Data

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

Find Help in Irwin 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 Irwin 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 Irwin County, Georgia?

    Irwin County has a County Distress Index score of 60.5 out of 100, placing it in the Elevated zone. It ranks 799th nationally out of 3,144 counties and 99th in Georgia out of 159 counties.

  • What drives financial distress in Irwin County?

    The primary driver of distress in Irwin County is Debt & Delinquency, where the county scores 90.8 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Irwin County compare to neighboring counties?

    Irwin County (60.5) can be compared to its 5 neighboring counties: Turner County, GA (68.7); Ben Hill County, GA (68.7); Coffee County, GA (66.5).

  • 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 Irwin County?

    Irwin County, Georgia has a population of approximately 9,120 (2023 Census estimate), classified as a tiny county.