Cumberland County, Illinois

County Distress Index: Healthy · 23.3 | 10,261 people · 96th most distressed in Illinois
American Default Research

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Cumberland County, IL ranks among the least distressed counties in the country at 23.3 — 3005th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filings are moderately elevated. Within Illinois, it ranks 96th of 102 counties. Among its 5 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Cumberland County's primary driver is Legal Distress at 61.8 — above the national median.

Legal Distress Primary driver 61.8
Bankruptcy Filing Rate 62
Economic Vitality 32.1
Wage-to-Rent Ratio 31
Rent-to-Income Ratio 5
Business Formation Rate 91
House Price Change (YoY) 5
Structural Poverty 28.9
Unemployment Rate 74
Poverty Rate 31
Income vs. State Median 30
Child Poverty Rate 23
Disability Rate 28
Transfer Income Dependency 5
Consumer Credit Distress 17.4
Debt in Collections 18
Medical Debt 7
Auto Loan Delinquency 5
Credit Card Delinquency 23
Uninsured Rate 25
Subprime Credit Population 27
Housing Cost Burden 16.2
Rent-Burdened (30%+) 14
Severely Rent-Burdened (50%+) 22
Mortgage-Burdened (30%+) 20
Homeownership Rate 6

Scores are percentile-based: 50 = national median, higher = more distressed.

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Cumberland County
Cumberland County, IL 23.3 Healthy —
Coles County, IL 51.9 Elevated +28.6
Clark County, IL 37.9 Normal +14.6
Shelby County, IL 26.2 Healthy +2.9
Effingham County, IL 22.9 Healthy -0.4
Jasper County, IL 20.7 Healthy -2.6

Population Peers

CountyScoreZonevs. Cumberland County
Carroll County, IA 23.3 Healthy 0.0
Door County, WI 23.6 Healthy +0.3
Hughes County, SD 22.9 Healthy -0.4
Wyoming County, NY 22.9 Healthy -0.4
Effingham County, IL 22.9 Healthy -0.4

Download Data

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

Find Help in Cumberland County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Cumberland County.

EMBARRAS RIVER BASIN AGENCY, INC.
Greenup
217-923-3113
Foreclosure PreventionMortgage HelpFinancial CounselingFinancial Counseling
ERBA CUMBERLAND COUNTY OUTREACH OFFICE
GREENUP
217-331-7031-229 Website
Foreclosure PreventionFinancial CounselingFinancial CounselingHome Improvement/Rehab

See all counselors in Illinois →

Find an Attorney

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

Illinois State Bar Association Lawyer Referral Service 1-800-922-8757

Free Legal Aid

Legal aid organizations serving Cumberland County residents at no cost.

Illinois Legal Aid Online (ILAO)
Legal Aid Chicago (formerly LAF) 312-341-1070
Land of Lincoln Legal Aid 217-525-7151
Prairie State Legal Services 1-800-531-7057
Illinois State Bar Association Lawyer Referral 1-800-922-8757

Self-Help Resources

Illinois Legal Aid Online — Foreclosure Comprehensive self-help guides for Illinois foreclosure
IHDA Homeowner Resources Assistance programs and housing counselor referrals

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 Illinois →

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Frequently Asked Questions

  • What is the distress score for Cumberland County, Illinois?

    Cumberland County has a County Distress Index score of 23.3 out of 100, placing it in the Healthy zone. It ranks 3,005th nationally out of 3,144 counties and 96th in Illinois out of 102 counties.

  • What drives financial distress in Cumberland County?

    The primary driver of distress in Cumberland County is Legal Distress, where the county scores 61.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Cumberland County compare to neighboring counties?

    Cumberland County (23.3) can be compared to its 5 neighboring counties: Coles County, IL (51.9); Clark County, IL (37.9); Shelby County, IL (26.2).

  • How is the County Distress Index calculated?

    The County Distress Index uses PCA-weighted percentile scoring across five statistically derived factors: Consumer Credit Distress (47.5%), Housing Cost Burden (22.3%), Structural Poverty (13.6%), Economic Vitality (9.2%), and Legal Distress (7.4%). 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.

  • How often is the CDI updated?

    Annually, aligned to Census American Community Survey and Urban Institute Debt in America release windows — the slowest-moving source inputs. Between annual refreshes, faster-cadence indicators (BLS unemployment, QCEW wages) may drive light mid-year updates if a specific component moves meaningfully. Current data compiled April 14, 2026; next full refresh early 2027.

  • What does the Healthy zone mean?

    The CDI divides counties into five zones: Healthy (below 46), Normal (46–55), Elevated (55–71), Serious (71–86), and Crisis (86 and above). Cumberland County's score of 23.3 sits in the Healthy zone (below 46).

  • What data sources power Cumberland County's CDI score?

    Cumberland County's CDI score draws on Urban Institute Debt in America (Equifax credit-bureau panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates), Bureau of Labor Statistics (LAUS, QCEW), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Every number on this page traces to one of these public sources.

  • What is the population of Cumberland County?

    Cumberland County, Illinois has a population of approximately 10,261 (2023 Census estimate), classified as a small county.