Macoupin County, Illinois

County Distress Index: Normal · 41.1 | 44,018 people · 42nd most distressed in Illinois
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Macoupin County, IL falls within the normal range for household financial distress at 41.1 — 2121st nationally out of 3144 counties. The primary driver is Structural Poverty, where income and poverty levels indicate moderate economic strain. Within Illinois, it ranks 42nd of 102 counties. Among its 6 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Macoupin County's primary driver is Structural Poverty at 52.8 — above the national median.

Structural Poverty Primary driver 52.8
Unemployment Rate 83
Poverty Rate 46
Income vs. State Median 35
Child Poverty Rate 45
Disability Rate 60
Transfer Income Dependency 58
Legal Distress 49.5
Bankruptcy Filing Rate 49
Housing Cost Burden 43.7
Rent-Burdened (30%+) 31
Severely Rent-Burdened (50%+) 64
Mortgage-Burdened (30%+) 36
Homeownership Rate 31
Consumer Credit Distress 36.2
Debt in Collections 34
Medical Debt 7
Auto Loan Delinquency 42
Credit Card Delinquency 61
Uninsured Rate 11
Subprime Credit Population 42
Economic Vitality 35.9
Wage-to-Rent Ratio 36
Rent-to-Income Ratio 5
Business Formation Rate 86
House Price Change (YoY) 32

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Macoupin County
Macoupin County, IL 41.1 Normal —
Madison County, IL 47.0 Normal +5.9
Sangamon County, IL 43.1 Normal +2.0
Montgomery County, IL 39.5 Normal -1.6
Morgan County, IL 39.0 Normal -2.1
Jersey County, IL 36.9 Normal -4.1
Greene County, IL 34.6 Healthy -6.5

Population Peers

CountyScoreZonevs. Macoupin County
Henry County, IA 41.1 Normal -0.0
Whitman County, WA 41.1 Normal +0.0
Kingfisher County, OK 41.0 Normal -0.0
Big Horn County, WY 41.1 Normal +0.1
Goshen County, WY 41.1 Normal +0.1

Download Data

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

Find Help in Macoupin County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Macoupin County.

MACOUPIN COUNTY HOUSING AUTHORITY
CARLINVILLE
217-854-8606-202 Website
Foreclosure PreventionFinancial CounselingFair HousingHome 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 Macoupin 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 Macoupin County, Illinois?

    Macoupin County has a County Distress Index score of 41.1 out of 100, placing it in the Normal zone. It ranks 2,121st nationally out of 3,144 counties and 42nd in Illinois out of 102 counties.

  • What drives financial distress in Macoupin County?

    The primary driver of distress in Macoupin County is Structural Poverty, where the county scores 52.8 out of 100. This domain is measured by indicators including Unemployment Rate, Poverty Rate, Income vs. State Median.

  • How does Macoupin County compare to neighboring counties?

    Macoupin County (41.1) can be compared to its 6 neighboring counties: Madison County, IL (47.0); Sangamon County, IL (43.1); Montgomery County, IL (39.5).

  • 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 Normal 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). Macoupin County's score of 41.1 sits in the Normal zone (46–55).

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

    Macoupin 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 Macoupin County?

    Macoupin County, Illinois has a population of approximately 44,018 (2023 Census estimate), classified as a small county.