Moultrie County, Illinois

County Distress Index: Healthy · 25.2 | 14,342 people · 95th most distressed in Illinois
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Moultrie County, IL ranks among the least distressed counties in the country at 25.2 — 2961st nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are below the national average. Within Illinois, it ranks 95th of 102 counties. It scores lower than all 5 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Moultrie County's primary driver is Legal Distress at 41.9 — above the national median.

Legal Distress Primary driver 41.9
Bankruptcy Filing Rate 42
Structural Poverty 29.4
Unemployment Rate 67
Poverty Rate 29
Income vs. State Median 27
Child Poverty Rate 26
Disability Rate 26
Transfer Income Dependency 15
Economic Vitality 27.5
Wage-to-Rent Ratio 16
Rent-to-Income Ratio 5
Business Formation Rate 77
House Price Change (YoY) 60
Consumer Credit Distress 22.7
Debt in Collections 23
Medical Debt 7
Auto Loan Delinquency 16
Credit Card Delinquency 11
Uninsured Rate 81
Subprime Credit Population 26
Housing Cost Burden 21.5
Rent-Burdened (30%+) 19
Severely Rent-Burdened (50%+) 19
Mortgage-Burdened (30%+) 22
Homeownership Rate 33

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Moultrie County
Moultrie County, IL 25.2 Healthy —
Coles County, IL 51.9 Elevated +26.7
Macon County, IL 50.8 Elevated +25.6
Douglas County, IL 28.8 Healthy +3.6
Piatt County, IL 26.3 Healthy +1.1
Shelby County, IL 26.2 Healthy +1.0

Population Peers

CountyScoreZonevs. Moultrie County
LaGrange County, IN 25.3 Healthy +0.0
Teton County, WY 25.3 Healthy +0.1
Morrison County, MN 25.1 Healthy -0.1
Washington County, NE 25.0 Healthy -0.2
Meade County, SD 25.4 Healthy +0.2

Download Data

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

Find Help in Moultrie County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Moultrie County.

C.E.F.S. MOULTRIE COUNTY OUTREACH OFFICE
SULLIVAN
217-728-7721 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 Moultrie 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 Moultrie County, Illinois?

    Moultrie County has a County Distress Index score of 25.2 out of 100, placing it in the Healthy zone. It ranks 2,961st nationally out of 3,144 counties and 95th in Illinois out of 102 counties.

  • What drives financial distress in Moultrie County?

    The primary driver of distress in Moultrie County is Legal Distress, where the county scores 41.9 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Moultrie County compare to neighboring counties?

    Moultrie County (25.2) can be compared to its 5 neighboring counties: Coles County, IL (51.9); Macon County, IL (50.8); Douglas County, IL (28.8).

  • 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). Moultrie County's score of 25.2 sits in the Healthy zone (below 46).

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

    Moultrie 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 Moultrie County?

    Moultrie County, Illinois has a population of approximately 14,342 (2023 Census estimate), classified as a small county.