Saline County, Illinois
Above the national median for disability rate — and 8.0× the rate of the healthiest U.S. county (San Juan County, CO — 3%).
Main Findings
Saline County, Illinois ranks 626th most distressed in the United States on the County Distress Index. The driver: 23% of residents report a disability — above the national median of 16%.
- 626th of 3,144 counties on the County Distress Index — Most distressed fifth, 9th in Illinois.
- 23% of residents report a disability (U.S. median 16%). Disability rate at the 93rd percentile nationally.
- Unemployment at 4% — national median 4%, ranked at the 71st percentile.
- Subprime credit share at 28% — national median 23%, ranked at the 68th percentile.
- Debt in collections at 27% — national median 23%, ranked at the 63rd percentile.
Neighbors span four CDI distress fifths. The 26-point drop to Hamilton County marks where the Illinois distress corridor ends.
"Saline County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated."
"The CDI places this county in the most distressed fifth nationally. The rank is the important geography signal: it compares the county with every other county-equivalent in the release."
Reporter's Notes
Two data points in the indicator table worth a follow-up call.
Saline County's uninsured rate indicator is at the 28th percentile — while every other indicator in the safety_net_buffer domain sits at or above the 67th percentile. The gap stands out against disability rate and SNAP rate. Worth a call to Urban Institute or a local credit counselor in Harrisburg.
The Indicators Behind Saline County's CDI Score
Every number traces to a public source. Saline County's value shown alongside IL's median and the U.S. median. Full CSV available for download.
| Indicator | Saline | IL median | U.S. median | Pctile | Source |
|---|---|---|---|---|---|
| Delinquency — domain score 65 · Rank 1,025 of 3,144 | |||||
| Auto loan delinquency Share of auto loan accounts 60+ days past due | 6% | 4% | 5% | 60th | Urban Institute (2024) |
| Credit card delinquency Share of credit card accounts 60+ days past due | 7% | 5% | 5% | 68th | Urban Institute (2024) |
| Subprime credit share Share of residents with a credit score below 660 | 28% | 21% | 23% | 68th | Urban Institute (2024) |
| Default & Legal — domain score 63 · Rank 1,003 of 3,144 | |||||
| Debt in collections Share of residents with a credit file who have debt in collections | 27% | 19% | 23% | 63rd | Urban Institute (2024) |
| Bankruptcy filing rate Personal bankruptcy filings per 100,000 residents | 157 | 117 | 126 | 62nd | US Courts F-5A (2025) |
| Debt Burden (housing basis) — domain score 61 · Rank 1,074 of 3,144 | |||||
| Rent-to-income ratio Fair Market Rent (2BR) as share of median household income | 21% | 18% | 21% | 47th | HUD FMR × Census ACS (2024) |
| Severe rent burden (50%+) Share of renter households paying 50%+ of income on rent | 22% | 17% | 18% | 76th | Census ACS 5-yr (2023) |
| Labor — domain score 71 · Rank 875 of 3,144 | |||||
| Unemployment Share of labor force unemployed | 4% | 4% | 4% | 71st | BLS LAUS (Dec 2025) |
| Safety Net & Buffer — domain score 76 · Rank 576 of 3,144 | |||||
| Child poverty rate Share of children under 18 below the federal poverty line | 24% | 16% | 18% | 78th | Census SAIPE (2023) |
| Disability rate Share of residents reporting a disability | 23% | 15% | 16% | 93rd | Census ACS 5-yr (2023) |
| Poverty rate Share of population below the federal poverty line | 18% | 12% | 14% | 80th | Census SAIPE (2023) |
| Transfer-income dependency Share of personal income from government transfers | 36% | 26% | 27% | 86th | BEA Regional Personal Income (2023) |
| Uninsured rate Share of residents without health insurance coverage | 6% | 5% | 8% | 28th | Census ACS 5-yr (2023) |
Five-Domain Breakdown
The CDI is an equal-weight composite of five family-v1 distress domains. Each domain contributes 20% of the county score.
Methodology
The County Distress Index is a 0–100 composite score of household financial distress, computed for all 3,144 U.S. counties. Higher scores indicate greater distress. The index is built from five equal-weighted domains: Delinquency, Default & Legal, Debt Burden, Labor, and Safety Net & Buffer. Each domain is the mean of distress-oriented indicator percentiles; the CDI score is the equal-weight mean of those domain scores.
Data sources include the Urban Institute Debt in America (Equifax consumer credit panel), U.S. Census Bureau (American Community Survey 5-year, Small Area Income and Poverty Estimates, Business Formation Statistics), Bureau of Labor Statistics (Local Area Unemployment Statistics, Quarterly Census of Employment and Wages), U.S. Courts Administrative Office (F-5A bankruptcy filings), and HUD Fair Market Rents. Data vintages range from 2023 to 2025 depending on source; full indicator-level vintage detail is in the methodology document.
For Press & Research
Everything you need to cite Saline County data — in under 60 seconds.
Draft wire copy 146-word AP-style article — use freely with attribution
HARRISBURG, Ill. — Saline County ranks 626th among the nation's most financially distressed counties, according to the County Distress Index released this month by American Default Research.
The composite score of 67 out of 100 places Saline in the most distressed fifth. Among 3,144 U.S. counties scored, 625 counties rank more distressed. Within Illinois, Saline ranks ninth of 102 counties.
The index, which draws on 16 source indicators from the U.S. Census Bureau, Bureau of Labor Statistics, Urban Institute and federal court filings, identifies safety net & buffer as the primary driver in Saline. 23% of residents report a disability — above the national median of 16%.
"Saline County ranks in the most distressed fifth of U.S. counties. The five-domain profile shows where local household pressure is most concentrated," said Ross Kilburn, founder of American Default Research.
Full methodology and county-by-county data are available at americandefault.org/methodology/cdi.
Frequently Asked Questions
What is Saline County's CDI score, and what does it mean?
What drives Saline County's distress score?
How does Saline County compare to its neighbors?
How is the County Distress Index calculated?
Saline County resident looking for help? HUD counselors, legal aid, and attorney referrals →