Muscogee County, Georgia
Above the national median of residents with debt in collections — and 22.7× the rate of the healthiest U.S. county (Logan County, ND — 2%).
Main Findings
Muscogee County, Georgia ranks 136th most distressed in the United States on the County Distress Index. The driver: 44% of residents with a credit file carry debt in collections — above the national median of 23%. Its highest-scoring domain is Default & Legal.
- 136th of 3,144 counties on the County Distress Index — 80.5 · very high county distress, 19th in Georgia.
- 44% of residents with a credit file carry debt in collections (U.S. median 23%). Debt in collections at the 98th percentile nationally. Source: Urban Institute Debt in America (2025).
- Credit card delinquency at 10% — national median 5%, ranked at the 95th percentile. Source: Urban Institute Debt in America (2025).
- Severe rent burden (50%+) at 24% — national median 18%, ranked at the 83rd percentile. Source: U.S. Census Bureau, ACS 5-year (2023).
- Poverty rate at 21% — national median 14%, ranked at the 88th percentile. Source: U.S. Census Bureau, SAIPE (2023).
Unemployment is 4%, near the national median of 4%, while credit card delinquency runs at the 95th percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 48-point drop to Harris County marks where the Fall Line Georgia distress corridor ends.
Muscogee County has a very high county distress score. The domain table shows which local pressure carries the composite.
The CDI gives this county a very high county distress label. The five-domain profile shows which local pressures carry the score. Its highest-scoring domain is Default & Legal.
Indicator History
Period-correct raw indicators from the county-history panel. The CDI composite is excluded because it is a current cross-sectional score.
Unemployment rate
Poverty rate
Transfer income share
Subprime credit population
The Indicators Behind Muscogee County's CDI Score
Every number traces to a public source. Muscogee County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Muscogee | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 91 · Rank 181 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 8% | 8% | 5% | 85th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 10% | 8% | 5% | 95th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 38% | 36% | 23% | 93rd | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 96 · Rank 17 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 44% | 36% | 23% | 98th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 367 | 255 | 126 | 95th | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 81 · Rank 376 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 25% | 24% | 21% | 79th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 24% | 19% | 18% | 83rd | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 57 · Rank 1,301 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 3% | 4% | 57th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 77 · Rank 491 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 26% | 26% | 18% | 81st | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 17% | 16% | 16% | 64th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 21% | 18% | 14% | 88th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 11% | 13% | 8% | 73rd | U.S. Census Bureau, ACS 5-year (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), FRED/Equifax (subprime credit share), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (Local Area Unemployment Statistics), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2022 to 2026 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Muscogee County data — in under 60 seconds.
Draft wire copy 133-word AP-style article — use freely with attribution
COLUMBUS, Ga. — Muscogee County ranks 136th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 80.5 out of 100 gives Muscogee a very high county distress label. Among 3,144 U.S. counties scored, 135 counties rank more distressed. Within Georgia, Muscogee ranks 19th of 159 counties.
The index, which draws on 13 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies default & legal as the primary driver in Muscogee. 44% of residents with a credit file carry debt in collections — above the national median of 23%.
American Default Research founder Ross Kilburn is available for interview at press@americandefault.org.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Muscogee County's CDI score, and what does it mean?
What drives Muscogee County's distress score?
How does Muscogee County compare to its neighbors?
How is the County Distress Index calculated?
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