Montgomery County, Georgia

County Distress Index: Elevated · 61.3 | 8,761 people · 96th most distressed in Georgia
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Montgomery County, GA registers elevated household financial distress with a score of 61.3 — 731st nationally out of 3144 counties. The primary driver is Income & Poverty, where poverty rates are high and household incomes lag well behind state and national medians. Within Georgia, it ranks 96th of 159 counties. It scores lower than all 4 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Montgomery County's primary driver is Income & Poverty at 78.0 — worse than roughly 78% of U.S. counties.

Income & Poverty Primary driver 78.0
Poverty Rate 88
Income vs. State Median 58
Child Poverty Rate 88
Debt & Delinquency 74.4
Debt in Collections 93
Medical Debt 95
Student Loan Delinquency 85
Auto Loan Delinquency 61
Credit Card Delinquency 86
Bankruptcy Filing Rate 26
Community Vulnerability 59.9
Uninsured Rate 87
Disability Rate 33
Employment & Wages 57.0
Unemployment Rate 64
Wage-to-Rent Ratio 77
Business Formation Rate 31
Housing Cost Burden 37.3
Rent-Burdened (30%+) 43
Severely Rent-Burdened (50%+) 5
Mortgage-Burdened (30%+) 39
Homeownership Rate 41
Rent-to-Income Ratio 58

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

Neighbors and Peers

How Montgomery County compares to its 4 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Montgomery County
Montgomery County, GA 61.3 Elevated —
Treutlen County, GA 69.6 Serious +8.3
Toombs County, GA 67.5 Serious +6.2
Jeff Davis County, GA 67.1 Serious +5.8
Wheeler County, GA 63.4 Elevated +2.1

Population Peers

County Score Zone vs. Montgomery County
Kusilvak Census Area, AK 61.3 Elevated -0.0
Webster County, GA 61.4 Elevated +0.1
Lincoln County, GA 61.1 Elevated -0.2
Searcy County, AR 61.0 Elevated -0.3
Chautauqua County, KS 61.0 Elevated -0.3

Download Data

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

Find Help in Montgomery 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 Montgomery 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 Montgomery County, Georgia?

    Montgomery County has a County Distress Index score of 61.3 out of 100, placing it in the Elevated zone. It ranks 731st nationally out of 3,144 counties and 96th in Georgia out of 159 counties.

  • What drives financial distress in Montgomery County?

    The primary driver of distress in Montgomery County is Income & Poverty, where the county scores 78.0 out of 100. This domain is measured by indicators including Poverty Rate, Income vs. State Median, Child Poverty Rate.

  • How does Montgomery County compare to neighboring counties?

    Montgomery County (61.3) can be compared to its 4 neighboring counties: Treutlen County, GA (69.6); Toombs County, GA (67.5); Jeff Davis County, GA (67.1).

  • 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 Montgomery County?

    Montgomery County, Georgia has a population of approximately 8,761 (2023 Census estimate), classified as a tiny county.