Boone County, Indiana

County Distress Index: Healthy · 28.6 | 76,120 people · 87th most distressed in Indiana
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Boone County, IN ranks among the least distressed counties in the country at 28.6 — 2820th nationally out of 3144 counties. The primary driver is Legal Distress, where bankruptcy filing rates are well above the national average. Within Indiana, it ranks 87th of 92 counties. Among its 5 neighboring counties, 4 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Boone County's primary driver is Legal Distress at 75.8 — worse than roughly 76% of U.S. counties.

Legal Distress Primary driver 75.8
Bankruptcy Filing Rate 76
Economic Vitality 46.8
Wage-to-Rent Ratio 84
Rent-to-Income Ratio 11
Business Formation Rate 15
House Price Change (YoY) 24
Housing Cost Burden 33.7
Rent-Burdened (30%+) 41
Severely Rent-Burdened (50%+) 22
Mortgage-Burdened (30%+) 65
Homeownership Rate 22
Consumer Credit Distress 22.8
Debt in Collections 20
Medical Debt 49
Auto Loan Delinquency 19
Credit Card Delinquency 10
Uninsured Rate 9
Subprime Credit Population 27
Structural Poverty 2.3
Unemployment Rate 1
Poverty Rate 1
Income vs. State Median 3
Child Poverty Rate 1
Disability Rate 6
Transfer Income Dependency 1

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Boone County
Boone County, IN 28.6 Healthy —
Marion County, IN 73.0 Serious +44.5
Montgomery County, IN 51.9 Elevated +23.3
Clinton County, IN 46.1 Normal +17.5
Hendricks County, IN 44.5 Normal +15.9
Hamilton County, IN 24.2 Healthy -4.4

Population Peers

CountyScoreZonevs. Boone County
Butler County, PA 28.5 Healthy -0.1
Warren County, IA 28.7 Healthy +0.1
Clinton County, MI 28.9 Healthy +0.3
Fauquier County, VA 28.9 Healthy +0.3
Warrick County, IN 28.2 Healthy -0.3

Download Data

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

Find Help in Boone County

Find an Attorney

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

Indiana State Bar Association — Lawyer Referral Service 317-639-5465

Free Legal Aid

Legal aid organizations serving Boone County residents at no cost.

Indiana Legal Services (ILS) 317-631-9410 (Indianapolis); 1-888-529-4917 (statewide hotline)
Legal Aid Society of Tippecanoe County 765-742-1050
Neighborhood Christian Legal Clinic 317-429-4131

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for Boone County, Indiana?

    Boone County has a County Distress Index score of 28.6 out of 100, placing it in the Healthy zone. It ranks 2,820th nationally out of 3,144 counties and 87th in Indiana out of 92 counties.

  • What drives financial distress in Boone County?

    The primary driver of distress in Boone County is Legal Distress, where the county scores 75.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Boone County compare to neighboring counties?

    Boone County (28.6) can be compared to its 5 neighboring counties: Marion County, IN (73.0); Montgomery County, IN (51.9); Clinton County, IN (46.1).

  • 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). Boone County's score of 28.6 sits in the Healthy zone (below 46).

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

    Boone 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 Boone County?

    Boone County, Indiana has a population of approximately 76,120 (2023 Census estimate), classified as a mid county.