Morgan County, Georgia

County Distress Index: Normal · 46.0 | 21,460 people · 142nd most distressed in Georgia
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Morgan County, GA falls within the normal range for household financial distress at 46.0 — 1901st 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 142nd of 159 counties. Among its 6 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Morgan County's primary driver is Debt & Delinquency at 70.2 — above the national median.

Debt & Delinquency Primary driver 70.2
Debt in Collections 63
Medical Debt 80
Student Loan Delinquency 74
Auto Loan Delinquency 72
Credit Card Delinquency 61
Bankruptcy Filing Rate 71
Housing Cost Burden 46.9
Rent-Burdened (30%+) 18
Severely Rent-Burdened (50%+) 26
Mortgage-Burdened (30%+) 62
Homeownership Rate 48
Rent-to-Income Ratio 80
Community Vulnerability 44.1
Uninsured Rate 59
Disability Rate 29
Employment & Wages 40.2
Unemployment Rate 16
Wage-to-Rent Ratio 89
Business Formation Rate 16
Income & Poverty 28.5
Poverty Rate 31
Income vs. State Median 13
Child Poverty Rate 42

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

Neighbors and Peers

How Morgan County compares to its 6 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. Morgan County
Morgan County, GA 46.0 Normal —
Newton County, GA 63.8 Elevated +17.8
Putnam County, GA 61.8 Elevated +15.9
Jasper County, GA 56.4 Elevated +10.5
Walton County, GA 52.9 Elevated +6.9
Greene County, GA 45.3 Normal -0.7
Oconee County, GA 18.3 Healthy -27.6

Population Peers

County Score Zone vs. Morgan County
Clinton County, OH 46.0 Normal -0.0
Huntingdon County, PA 46.0 Normal +0.1
Greene County, IL 45.9 Normal -0.1
Cass County, IA 46.0 Normal +0.1
Noble County, OK 45.9 Normal -0.1

Download Data

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

Find Help in Morgan 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 Morgan 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 Morgan County, Georgia?

    Morgan County has a County Distress Index score of 46.0 out of 100, placing it in the Normal zone. It ranks 1,901st nationally out of 3,144 counties and 142nd in Georgia out of 159 counties.

  • What drives financial distress in Morgan County?

    The primary driver of distress in Morgan County is Debt & Delinquency, where the county scores 70.2 out of 100. This domain is measured by indicators including Debt in Collections, Medical Debt, Student Loan Delinquency.

  • How does Morgan County compare to neighboring counties?

    Morgan County (46.0) can be compared to its 6 neighboring counties: Newton County, GA (63.8); Putnam County, GA (61.8); Jasper County, GA (56.4).

  • 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 Morgan County?

    Morgan County, Georgia has a population of approximately 21,460 (2023 Census estimate), classified as a small county.