About one in five people in Covington County, Mississippi, lives below the poverty line
In Covington County, 20.0% of people lived below the poverty line (Census Bureau, Small Area Income and Poverty Estimates, 2024). That is higher than in 87% of U.S. counties.
More distressed than 83% of U.S. counties.
What drives Covington County's score
In Covington County, late payments on loans weigh most: the score for late payments on loans is 94.5. People with a credit card behind: 11.2%, August 2025, higher than in 95% of U.S. counties. Collections and bankruptcy comes next, at 79.1.
The County Distress Index combines five things we measure for every county: jobs, late payments on loans, income and the safety net, collections and bankruptcy, and housing costs. Each gets a score from 0 to 100; the higher the score, the worse off the county is compared with others.
Covington County does better than most counties on two measures: renters paying half their income or more in rent (12.7%, 2020 to 2024) and unemployment rate, 12-month average (3.8%, Sep 2025 to Aug 2026).
The five parts count equally; together they hold 14 measures. Under each part, a bar shows where Covington County ranks among all 3,144 U.S. counties on that measure, as a percentile: the share of counties it is higher than. A longer bar means more trouble.
- 94.5 of 100
Late payments
Biggest factorCredit records, August 2025; credit scores, Q4 2025
- People with a car or retail loan behind10.5% · August 202593rd percentile
- People with a credit card behind11.2% · August 202595th percentile
- People with a subprime credit score39.8% · Q4 202595th percentile
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- 79.1 of 100
Collections and bankruptcy
Credit records, August 2025; bankruptcy filings, 2025
- People with unpaid debt sent to a collector31.5% · August 202578th percentile
- Bankruptcy filings per 100,000 people221.5 · 202580th percentile
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- 78.9 of 100
Income and safety net
Poverty and income, 2024; disability and insurance, 2020–24 Census survey
- Children below the poverty line26.9% · 202486th percentile
- People with a disability17.9% · 2020 to 202467th percentile
- Median household income (lower income, longer bar)$51,171 · 202489th percentile
- People below the poverty line20.0% · 202487th percentile
- People without health insurance9.6% · 2020 to 202463rd percentile
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- 60.1 of 100
Jobs
Adults not working, 2020–24 Census survey; unemployment through Aug 2026
- Adults 25 to 54 not working26.6% · 2020 to 202479th percentile
- Unemployment rate, 12-month average3.8% · Sep 2025 to Aug 202640th percentile
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- 38.4 of 100
Housing costs
HUD's fair market rents, fiscal year 2027; renters, 2020–24 Census survey
- Rent on a two-bedroom as a share of the median income21.2% · fiscal year 202755th percentile
- Renters paying half their income or more in rent12.7% · 2020 to 202421st percentile
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Sources: U.S. Department of Housing and Urban Development Fair Market Rents and U.S. Census Bureau income; Census Bureau, American Community Survey; Urban Institute, Debt in America; Administrative Office of the U.S. Courts, Table F-5A; Equifax via the St. Louis Fed; U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics; Census Bureau, Small Area Income and Poverty Estimates. County Distress Index by American Default Research, from data through Aug 2026.
Where the money in Covington County comes from
The Bureau of Economic Analysis adds up all the income that reaches the people of a county and splits it three ways: pay from work, income from investments and rent, and benefit checks.
Cents of every dollar of income, 2024
Covington County
Mississippi
United States
- Pay from work
- Investments and rent
- Benefit checks
In Covington County in 2024, pay from work was 56 cents of every dollar of income. Income from investments and rentals was 12 cents. Benefit checks were 32 cents. Across the country, pay is 61 cents of the dollar and benefit checks are 18.
Benefit checks have grown from 15 cents of every dollar in 1969, but pay from work still brings in more.
In Covington County, benefit checks rose from 15 to 32 cents of every dollar
Benefit checks and pay from work as shares of all personal income, Covington County, Mississippi: 31.7% and 56.0% in 2024. Yearly, 1969–2024.
Use this chart Free to use with credit
The quote: In 2024, benefit checks made up 31.7% of all personal income in Covington County, Mississippi (U.S. Bureau of Economic Analysis, CAINC4).
Benefit checks are Social Security, Medicare and Medicaid paid on people's behalf, veterans' benefits, and food and income support, so a high share usually means an older population, low pay, or both. In Covington County, 17.6% of residents are 65 or older (Census Bureau, 2024), against 17.2% nationally.
How Covington County has changed
The number of people living in Covington County grew by about 28% between 1969 and 2024, from 14,029 to 18,015. The number of jobs located there grew by about 59% from 1990 to 2024.
Unemployment fell from 9.0% in 1990 to 3.8% in 2025.
| Measure | Then | Now |
|---|---|---|
| People living in the countyBEA | 1969 14,029 | 2024 18,015 |
| Jobs located in the countyBLS QCEW | 1990 3,646 | 2024 5,783 |
| Unemployment rateBLS LAUS | 1990 9.0% | 2025 3.8% |
| People below the poverty lineCensus SAIPE | 1989 26.2% | 2024 20.0% |
| Median household income (not adjusted for prices)Census SAIPE | 1989 $15,826 | 2024 $51,171 |
| Share of income from benefit checksBEA | 1969 15.3% | 2024 31.7% |
Figures are as each agency published them, not adjusted for prices. We don't chart the distress score over time because it compares counties at one moment.
Dated events in Covington County's history
Largest decennial census count
The county's largest recorded population was the 2010 Census count of 19,568. The 2020 Census counted 18,340, 94% of the peak. Census Bureau
1992
Tornado: $25 million in property damage. NOAA Storm Events Database
2020
Tornado: $25.9 million in property damage. NOAA Storm Events Database
2025
Tornado: one death. NOAA Storm Events Database
2025
Tornado: one death. NOAA Storm Events Database
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Since 1969
33 federal disaster and emergency declarations have covered Covington County, 9 of them for flooding. FEMA
Storms are listed if they did $1 million or more in damage or killed someone.
Covington County beside its neighbors
Of the six counties that border Covington County, three score higher. For the share of income from benefit checks, Covington County ranks 4th of the seven; Jefferson Davis County is highest, at 42.8%.
| County | Score | Poverty | Benefit checks |
|---|---|---|---|
| Forrest County, MS | 92 | 21.4% | 28.3% |
| Jefferson Davis County, MS | 91 | 23.9% | 42.8% |
| Simpson County, MS | 88 | 19.7% | 35.2% |
| Covington County, MS | 83 | 20.0% | 31.7% |
| Jones County, MS | 79 | 19.2% | 32.3% |
| Smith County, MS | 71 | 16.7% | 29.8% |
| Lamar County, MS | 46 | 11.6% | 20.0% |
Distress score: American Default Research, County Distress Index, data through Aug 2026; each county scored against all 3,144. Poverty rate: Census Bureau, Small Area Income and Poverty Estimates, 2024. Benefit checks: Bureau of Economic Analysis, 2024. Neighbors share a border, from Census county maps.
Is Covington County the poorest county in Mississippi?
No, Covington County's poverty rate was 20.0% in 2024, 38th highest of 82 in Mississippi (U.S. Census Bureau, Small Area Income and Poverty Estimates). By that measure the poorest county in the state is Issaquena County, at 55.7%. On our distress index, which counts more than poverty, Covington County ranks 56th of 82 in the state.
Covington County in photographs
Places in Covington County from Wikimedia Commons, each captioned in its photographer's own words.
Alabama-Covington County Courthouse.
US84 eastbound approaching exit for US49 South in Collins, Mississippi.
Covington County, Mississippi: common questions
What is the poverty rate in Covington County, Mississippi?
20.0% in 2024, according to the U.S. Census Bureau, Small Area Income and Poverty Estimates: about one in five people. Among children it was 26.9%.
Is Covington County the poorest county in Mississippi?
No, Covington County's poverty rate was 20.0% in 2024, 38th highest of 82 in Mississippi (U.S. Census Bureau, Small Area Income and Poverty Estimates). By that measure the poorest county in the state is Issaquena County, at 55.7%. On our distress index, which counts more than poverty, Covington County ranks 56th of 82 in the state.
What is the population of Covington County, Mississippi?
About 18,015 people in 2024, by the Bureau of Economic Analysis's count. The 2020 Census counted 18,340, 94% of the county's peak of 19,568 in 2010.
How is the County Distress Index calculated?
We rank every U.S. county on 14 federal measures of money trouble, grouped into five equally weighted parts, and average them. The published score is the share of the other 3,143 counties with a lower average. The methodology lists every measure and its source.
If you're behind on your mortgage in Covington County
A U.S. Department of Housing and Urban Development-approved housing counselor works at a nonprofit agency approved by the U.S. Department of Housing and Urban Development. The counseling to avoid foreclosure is free, and a counselor can help you talk to your mortgage company and understand what it offers, according to the Consumer Financial Protection BureauSourceCFPB.
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Mississippi Center for Legal Services
Legal aid
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North Mississippi Rural Legal Services
Legal aid
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HUD-approved housing counselors
Counseling to avoid foreclosure is free. Our help directory lists 1,311 approved agencies by state.
The score, its 14 measures and their sources, in one file. Free to use with credit to American Default Research.
Download the CSV for Covington County · Every U.S. county (CSV)
Sources and method
- American Default Research · County Distress Index Data through Aug 2026, built from HUD Fair Market Rents and Census income; Census Bureau, American Community Survey; Urban Institute, Debt in America; U.S. Courts, Table F-5A; Equifax via the St. Louis Fed; Bureau of Labor Statistics, Local Area Unemployment Statistics; Census Bureau, Small Area Income and Poverty Estimates. Our methodology
- U.S. Bureau of Economic Analysis, Regional Economic Accounts (CAINC4) · income shares Where the money in Covington County comes from, 2024.
- History The agencies named in each row and the linked records above.