Harrison County, Indiana

County Distress Index: Normal · 38.3 | 40,006 people · 73rd most distressed in Indiana
American Default Research

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Harrison County, IN falls within the normal range for household financial distress at 38.3 — 2295th 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 73rd of 92 counties. It scores lower than all 6 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Harrison County's primary driver is Legal Distress at 76.4 — worse than roughly 76% of U.S. counties.

Legal Distress Primary driver 76.4
Bankruptcy Filing Rate 76
Economic Vitality 64.3
Wage-to-Rent Ratio 82
Rent-to-Income Ratio 42
Business Formation Rate 62
House Price Change (YoY) 46
Consumer Credit Distress 41.0
Debt in Collections 40
Medical Debt 77
Auto Loan Delinquency 32
Credit Card Delinquency 42
Uninsured Rate 24
Subprime Credit Population 32
Structural Poverty 23.9
Unemployment Rate 6
Poverty Rate 10
Income vs. State Median 24
Child Poverty Rate 12
Disability Rate 46
Transfer Income Dependency 35
Housing Cost Burden 17.9
Rent-Burdened (30%+) 21
Severely Rent-Burdened (50%+) 17
Mortgage-Burdened (30%+) 32
Homeownership Rate 4

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Harrison County
Harrison County, IN 38.3 Normal —
Jefferson County, KY 61.7 Elevated +23.4
Washington County, IN 59.0 Elevated +20.8
Hardin County, KY 58.0 Elevated +19.7
Crawford County, IN 52.3 Elevated +14.0
Meade County, KY 50.0 Normal +11.7
Floyd County, IN 47.3 Normal +9.0

Population Peers

CountyScoreZonevs. Harrison County
Warren County, VA 38.2 Normal -0.0
Wayne County, IL 38.4 Normal +0.1
Klickitat County, WA 38.1 Normal -0.1
DeKalb County, IN 38.4 Normal +0.2
Spencer County, KY 38.5 Normal +0.2

Download Data

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

Find Help in Harrison 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 Harrison 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 Harrison County, Indiana?

    Harrison County has a County Distress Index score of 38.3 out of 100, placing it in the Normal zone. It ranks 2,295th nationally out of 3,144 counties and 73rd in Indiana out of 92 counties.

  • What drives financial distress in Harrison County?

    The primary driver of distress in Harrison County is Legal Distress, where the county scores 76.4 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Harrison County compare to neighboring counties?

    Harrison County (38.3) can be compared to its 6 neighboring counties: Jefferson County, KY (61.7); Washington County, IN (59.0); Hardin County, KY (58.0).

  • 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). Harrison County's score of 38.3 sits in the Normal zone (46–55).

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

    Harrison 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 Harrison County?

    Harrison County, Indiana has a population of approximately 40,006 (2023 Census estimate), classified as a small county.