Talbot County, Maryland

County Distress Index: Normal · 44.0 | 37,823 people · 13th most distressed in Maryland
American Default Research

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Talbot County, MD falls within the normal range for household financial distress at 44.0 — 2074th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where a large share of households spend more than 30% of income on housing. Within Maryland, it ranks 13th of 24 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five domains of financial distress. Talbot County's primary driver is Housing Cost Burden at 73.3 — above the national median.

Housing Cost Burden Primary driver 73.3
Rent-Burdened (30%+) 82
Severely Rent-Burdened (50%+) 91
Mortgage-Burdened (30%+) 85
Homeownership Rate 58
Rent-to-Income Ratio 50
Employment & Wages 49.8
Unemployment Rate 45
Wage-to-Rent Ratio 79
Business Formation Rate 25
Income & Poverty 40.1
Poverty Rate 21
Income vs. State Median 69
Child Poverty Rate 29
Community Vulnerability 33.7
Uninsured Rate 12
Disability Rate 55
Debt & Delinquency 23.2
Debt in Collections 13
Medical Debt 19
Student Loan Delinquency 20
Auto Loan Delinquency 34
Credit Card Delinquency 21
Bankruptcy Filing Rate 32

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

Neighbors and Peers

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

Neighboring Counties

County Score Zone vs. Talbot County
Talbot County, MD 44.0 Normal —
Dorchester County, MD 62.7 Elevated +18.7
Caroline County, MD 59.2 Elevated +15.2
Calvert County, MD 32.6 Healthy -11.4
Queen Anne's County, MD 31.7 Healthy -12.3
Anne Arundel County, MD 31.2 Healthy -12.8

Population Peers

County Score Zone vs. Talbot County
Waushara County, WI 44.0 Normal +0.0
Kodiak Island Borough, AK 44.0 Normal -0.0
Archuleta County, CO 44.0 Normal -0.1
Washburn County, WI 43.9 Normal -0.1
West Baton Rouge Parish, LA 44.1 Normal +0.1

Download Data

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

Find Help in Talbot County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Talbot County.

HABITAT FOR HUMANITY CHOPTANK
Trappe
410-476-3204 Website
Financial CounselingFinancial CounselingFair HousingHome Improvement/Rehab

See all counselors in Maryland →

Find an Attorney

Maryland State Bar Association Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Maryland State Bar Association Lawyer Referral Service 410-685-7878

Free Legal Aid

Legal aid organizations serving Talbot County residents at no cost.

Maryland Legal Aid 410-539-5340
Community Law Center (Baltimore) 410-366-0922
Maryland Volunteer Lawyers Service (MVLS) 410-539-6800
Civil Justice (Baltimore) 410-706-0900

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

Need legal help? Find a foreclosure defense attorney in Maryland →

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Frequently Asked Questions

  • What is the distress score for Talbot County, Maryland?

    Talbot County has a County Distress Index score of 44.0 out of 100, placing it in the Normal zone. It ranks 2,074th nationally out of 3,144 counties and 13th in Maryland out of 24 counties.

  • What drives financial distress in Talbot County?

    The primary driver of distress in Talbot County is Housing Cost Burden, where the county scores 73.3 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does Talbot County compare to neighboring counties?

    Talbot County (44.0) can be compared to its 5 neighboring counties: Dorchester County, MD (62.7); Caroline County, MD (59.2); Calvert County, MD (32.6).

  • 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 Talbot County?

    Talbot County, Maryland has a population of approximately 37,823 (2023 Census estimate), classified as a small county.