Floyd County, Indiana

County Distress Index: Normal · 47.3 | 80,809 people · 52nd most distressed in Indiana
American Default Research

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Floyd County, IN falls within the normal range for household financial distress at 47.3 — 1760th 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 52nd of 92 counties. Among its 4 neighboring counties, 3 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Floyd County's primary driver is Legal Distress at 80.1 — worse than roughly 80% of U.S. counties.

Legal Distress Primary driver 80.1
Bankruptcy Filing Rate 80
Housing Cost Burden 61.1
Rent-Burdened (30%+) 70
Severely Rent-Burdened (50%+) 55
Mortgage-Burdened (30%+) 56
Homeownership Rate 57
Economic Vitality 48.5
Wage-to-Rent Ratio 69
Rent-to-Income Ratio 32
Business Formation Rate 37
House Price Change (YoY) 20
Consumer Credit Distress 42.8
Debt in Collections 50
Medical Debt 83
Auto Loan Delinquency 33
Credit Card Delinquency 22
Uninsured Rate 19
Subprime Credit Population 43
Structural Poverty 21.6
Unemployment Rate 6
Poverty Rate 22
Income vs. State Median 19
Child Poverty Rate 25
Disability Rate 37
Transfer Income Dependency 21

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Floyd County
Floyd County, IN 47.3 Normal —
Jefferson County, KY 61.7 Elevated +14.4
Clark County, IN 59.1 Elevated +11.9
Washington County, IN 59.0 Elevated +11.8
Harrison County, IN 38.3 Normal -9.0

Population Peers

CountyScoreZonevs. Floyd County
Cape May County, NJ 47.3 Normal 0.0
Porter County, IN 47.3 Normal +0.0
Comal County, TX 47.4 Normal +0.1
Clermont County, OH 47.2 Normal -0.1
San Benito County, CA 47.2 Normal -0.1

Download Data

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

Find Help in Floyd County

HUD-Approved Housing Counselors

Free foreclosure prevention and financial counseling near Floyd County.

NEW ALBANY HOUSING AUTHORITY
New Albany
812-948-2319
Financial CounselingPost-PurchasePre-PurchaseHomebuyer Education

See all counselors in Indiana →

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 Floyd 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.

Need legal help? Find a foreclosure defense attorney in Indiana →

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Frequently Asked Questions

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

    Floyd County has a County Distress Index score of 47.3 out of 100, placing it in the Normal zone. It ranks 1,760th nationally out of 3,144 counties and 52nd in Indiana out of 92 counties.

  • What drives financial distress in Floyd County?

    The primary driver of distress in Floyd County is Legal Distress, where the county scores 80.1 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Floyd County compare to neighboring counties?

    Floyd County (47.3) can be compared to its 4 neighboring counties: Jefferson County, KY (61.7); Clark County, IN (59.1); Washington County, IN (59.0).

  • 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). Floyd County's score of 47.3 sits in the Normal zone (46–55).

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

    Floyd 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 Floyd County?

    Floyd County, Indiana has a population of approximately 80,809 (2023 Census estimate), classified as a mid county.