Ogle County, Illinois

County Distress Index: Healthy · 32.7 | 51,265 people · 71st most distressed in Illinois
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Ogle County, IL ranks among the least distressed counties in the country at 32.7 — 2600th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Illinois, it ranks 71st of 102 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Ogle County's primary driver is Legal Distress at 67.9 — above the national median.

Legal Distress Primary driver 67.9
Bankruptcy Filing Rate 68
Economic Vitality 35.9
Wage-to-Rent Ratio 31
Rent-to-Income Ratio 13
Business Formation Rate 92
House Price Change (YoY) 18
Housing Cost Burden 35.5
Rent-Burdened (30%+) 34
Severely Rent-Burdened (50%+) 25
Mortgage-Burdened (30%+) 58
Homeownership Rate 50
Structural Poverty 32.3
Unemployment Rate 88
Poverty Rate 14
Income vs. State Median 19
Child Poverty Rate 19
Disability Rate 43
Transfer Income Dependency 28
Consumer Credit Distress 25.4
Debt in Collections 24
Medical Debt 7
Auto Loan Delinquency 44
Credit Card Delinquency 18
Uninsured Rate 11
Subprime Credit Population 34

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Ogle County
Ogle County, IL 32.7 Healthy —
Winnebago County, IL 60.4 Elevated +27.7
DeKalb County, IL 55.8 Elevated +23.1
Whiteside County, IL 44.4 Normal +11.7
Stephenson County, IL 44.0 Normal +11.3
Boone County, IL 43.9 Normal +11.2
Lee County, IL 37.8 Normal +5.1
Carroll County, IL 31.2 Healthy -1.5

Population Peers

CountyScoreZonevs. Ogle County
Jefferson County, WI 32.7 Healthy -0.0
Bingham County, ID 32.6 Healthy -0.1
Hanover County, VA 32.8 Healthy +0.2
Marathon County, WI 32.5 Healthy -0.2
Cole County, MO 32.5 Healthy -0.2

Download Data

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

Find Help in Ogle County

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 Ogle 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 →

Continue Reading

Frequently Asked Questions

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

    Ogle County has a County Distress Index score of 32.7 out of 100, placing it in the Healthy zone. It ranks 2,600th nationally out of 3,144 counties and 71st in Illinois out of 102 counties.

  • What drives financial distress in Ogle County?

    The primary driver of distress in Ogle County is Legal Distress, where the county scores 67.9 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Ogle County compare to neighboring counties?

    Ogle County (32.7) can be compared to its 7 neighboring counties: Winnebago County, IL (60.4); DeKalb County, IL (55.8); Whiteside County, IL (44.4).

  • 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). Ogle County's score of 32.7 sits in the Healthy zone (below 46).

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

    Ogle 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 Ogle County?

    Ogle County, Illinois has a population of approximately 51,265 (2023 Census estimate), classified as a mid county.