Lumpkin County, Georgia

County Distress Index: Elevated · 50.1 | 35,258 people · 134th most distressed in Georgia
American Default Research

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Lumpkin County, GA registers elevated household financial distress with a score of 50.1 — 1589th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing costs consume a moderate share of household income. Within Georgia, it ranks 134th 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. Lumpkin County's primary driver is Housing Cost Burden at 57.2 — above the national median.

Housing Cost Burden Primary driver 57.2
Rent-Burdened (30%+) 90
Severely Rent-Burdened (50%+) 98
Mortgage-Burdened (30%+) 26
Homeownership Rate 27
Rent-to-Income Ratio 45
Debt & Delinquency 52.9
Debt in Collections 55
Medical Debt 83
Student Loan Delinquency 30
Auto Loan Delinquency 33
Credit Card Delinquency 50
Bankruptcy Filing Rate 65
Employment & Wages 49.8
Unemployment Rate 30
Wage-to-Rent Ratio 81
Business Formation Rate 38
Community Vulnerability 49.7
Uninsured Rate 79
Disability Rate 20
Income & Poverty 40.8
Poverty Rate 62
Income vs. State Median 10
Child Poverty Rate 51

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Lumpkin County
Lumpkin County, GA 50.1 Elevated —
Fannin County, GA 52.4 Elevated +2.3
Hall County, GA 49.3 Normal -0.8
White County, GA 49.0 Normal -1.1
Union County, GA 45.7 Normal -4.4
Dawson County, GA 43.0 Normal -7.1

Population Peers

County Score Zone vs. Lumpkin County
Inyo County, CA 50.1 Elevated 0.0
Allegany County, NY 50.1 Elevated +0.0
Lafayette County, MO 50.1 Elevated +0.0
Graham County, AZ 50.0 Elevated -0.1
Jefferson County, IA 50.2 Elevated +0.1

Download Data

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

Find Help in Lumpkin 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 Lumpkin 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 Lumpkin County, Georgia?

    Lumpkin County has a County Distress Index score of 50.1 out of 100, placing it in the Elevated zone. It ranks 1,589th nationally out of 3,144 counties and 134th in Georgia out of 159 counties.

  • What drives financial distress in Lumpkin County?

    The primary driver of distress in Lumpkin County is Housing Cost Burden, where the county scores 57.2 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Lumpkin County compare to neighboring counties?

    Lumpkin County (50.1) can be compared to its 5 neighboring counties: Fannin County, GA (52.4); Hall County, GA (49.3); White County, GA (49.0).

  • 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 Lumpkin County?

    Lumpkin County, Georgia has a population of approximately 35,258 (2023 Census estimate), classified as a small county.