Clinton County, Indiana

County Distress Index: Normal · 46.1 | 32,730 people · 57th most distressed in Indiana
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Clinton County, IN falls within the normal range for household financial distress at 46.1 — 1834th 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 57th of 92 counties. Among its 7 neighboring counties, 4 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Clinton County's primary driver is Legal Distress at 78.9 — worse than roughly 79% of U.S. counties.

Legal Distress Primary driver 78.9
Bankruptcy Filing Rate 79
Consumer Credit Distress 51.4
Debt in Collections 51
Medical Debt 74
Auto Loan Delinquency 46
Credit Card Delinquency 42
Uninsured Rate 44
Subprime Credit Population 52
Housing Cost Burden 37.5
Rent-Burdened (30%+) 40
Severely Rent-Burdened (50%+) 25
Mortgage-Burdened (30%+) 52
Homeownership Rate 53
Economic Vitality 34.3
Wage-to-Rent Ratio 29
Rent-to-Income Ratio 22
Business Formation Rate 71
House Price Change (YoY) 29
Structural Poverty 32.0
Unemployment Rate 4
Poverty Rate 32
Income vs. State Median 52
Child Poverty Rate 31
Disability Rate 7
Transfer Income Dependency 45

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Clinton County
Clinton County, IN 46.1 Normal —
Howard County, IN 65.8 Serious +19.7
Tippecanoe County, IN 55.8 Elevated +9.7
Montgomery County, IN 51.9 Elevated +5.8
Carroll County, IN 36.5 Normal -9.6
Tipton County, IN 33.8 Healthy -12.3
Boone County, IN 28.6 Healthy -17.5
Hamilton County, IN 24.2 Healthy -21.9

Population Peers

CountyScoreZonevs. Clinton County
Waldo County, ME 46.1 Normal -0.0
Dickinson County, KS 46.1 Normal +0.1
Gladwin County, MI 46.0 Normal -0.1
Bandera County, TX 46.3 Normal +0.2
Missaukee County, MI 46.3 Normal +0.2

Download Data

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

Find Help in Clinton 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 Clinton 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 Clinton County, Indiana?

    Clinton County has a County Distress Index score of 46.1 out of 100, placing it in the Normal zone. It ranks 1,834th nationally out of 3,144 counties and 57th in Indiana out of 92 counties.

  • What drives financial distress in Clinton County?

    The primary driver of distress in Clinton County is Legal Distress, where the county scores 78.9 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Clinton County compare to neighboring counties?

    Clinton County (46.1) can be compared to its 7 neighboring counties: Howard County, IN (65.8); Tippecanoe County, IN (55.8); Montgomery County, IN (51.9).

  • 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). Clinton County's score of 46.1 sits in the Normal zone (46–55).

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

    Clinton 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 Clinton County?

    Clinton County, Indiana has a population of approximately 32,730 (2023 Census estimate), classified as a small county.