Sumter County, Georgia
More than double the national median for credit card delinquency.
Main Findings
Sumter County, Georgia ranks 108th most distressed in the United States on the County Distress Index. The driver: 12% of credit card accounts are 60+ days past due — more than double the national median of 5%. Its highest-scoring domain is Delinquency.
- 108th of 3,144 counties on the County Distress Index — 81.8 · very high county distress, 12th in Georgia.
- 12% of credit card accounts are 60+ days past due (U.S. median 5%). Credit card delinquency at the 98th percentile nationally. Source: Urban Institute Debt in America (2025).
- Debt in collections at 41% — national median 23%, ranked at the 96th percentile. Source: Urban Institute Debt in America (2025).
- Child poverty rate at 45% — national median 18%, ranked at the 99th percentile. Source: U.S. Census Bureau, SAIPE (2023).
- Rent-to-income ratio at 30% — national median 21%, ranked at the 95th percentile. Source: HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023).
Unemployment is 4%, near the national median of 4%, while credit card delinquency runs at the 98th percentile. Jobs exist; wages don't close the gap.
Neighbors span four CDI score labels. The 34-point drop to Lee County marks where the Georgia distress corridor ends.
Sumter 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 Delinquency.
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
According to U.S. Census Bureau, ACS 5-year (2023), Sumter County's disability rate indicator is at the 24th percentile. American Default Research's CDI places every other indicator in the Safety Net & Buffer domain at or above the 83rd percentile. The gap stands out against child poverty rate and median household income. Worth a call to the source agency or a local subject-matter contact in Americus.
According to U.S. Census Bureau, SAIPE (2023), 45% of children under 18 in Sumter County live below the federal poverty line, versus 18% nationally. When a county's adult poverty rate is accompanied by a materially higher child poverty rate, the gap typically reflects single-parent household concentration or limited access to workforce-participation supports (childcare, transportation). Worth a call to the local school district's free-and-reduced-lunch coordinator or a regional United Way affiliate.
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 Sumter County's CDI Score
Every number traces to a public source. Sumter County's value shown alongside GA's median and the U.S. median. Full CSV available for download.
| Indicator | Sumter | GA median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 96 · Rank 38 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 11% | 8% | 5% | 94th | Urban Institute Debt in America (2025) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 12% | 8% | 5% | 98th | Urban Institute Debt in America (2025) |
| Subprime credit share Share of residents with a credit score below 660 | 40% | 36% | 23% | 96th | Federal Reserve Bank of St. Louis, Equifax (2025) |
| Default & Legal — domain score 94 · Rank 76 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 41% | 36% | 23% | 96th | Urban Institute Debt in America (2025) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 305 | 255 | 126 | 92nd | Administrative Office of the U.S. Courts, F-5A (2025) |
| Debt Burden (housing basis) — domain score 73 · Rank 619 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 30% | 24% | 21% | 95th | HUD FMR (FY2026); U.S. Census Bureau, SAIPE (2023) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 18% | 19% | 18% | 51st | U.S. Census Bureau, ACS 5-year (2023) |
| Labor — domain score 67 · Rank 990 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 3% | 4% | 67th | U.S. Bureau of Labor Statistics, LAUS (May 2026) |
| Safety Net & Buffer — domain score 79 · Rank 397 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 45% | 26% | 18% | 99th | U.S. Census Bureau, SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 13% | 16% | 16% | 24th | U.S. Census Bureau, ACS 5-year (2023) |
| Poverty rate Share of population below the federal poverty line | 26% | 18% | 14% | 96th | U.S. Census Bureau, SAIPE (2023) |
| Uninsured rate Share of residents without health insurance coverage | 13% | 13% | 8% | 83rd | 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 Sumter County data — in under 60 seconds.
Draft wire copy 132-word AP-style article — use freely with attribution
AMERICUS, Ga. — Sumter County ranks 108th 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 81.8 out of 100 gives Sumter a very high county distress label. Among 3,144 U.S. counties scored, 107 counties rank more distressed. Within Georgia, Sumter ranks 12th 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 delinquency as the primary driver in Sumter. 12% of credit card accounts are 60+ days past due — more than double the national median of 5%.
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 Sumter County's CDI score, and what does it mean?
What drives Sumter County's distress score?
How does Sumter County compare to its neighbors?
How is the County Distress Index calculated?
Sumter County resident looking for help? HUD counselors, legal aid, and attorney referrals →