Henry County, Indiana

County Distress Index: Elevated · 51.4 | 48,929 people · 40th most distressed in Indiana
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Henry County, IN registers elevated household financial distress with a score of 51.4 — 1493rd 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 40th of 92 counties. Among its 7 neighboring counties, 6 show more distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Henry County's primary driver is Legal Distress at 93.9 — worse than roughly 94% of U.S. counties.

Legal Distress Primary driver 93.9
Bankruptcy Filing Rate 94
Structural Poverty 57.6
Unemployment Rate 16
Poverty Rate 43
Income vs. State Median 67
Child Poverty Rate 44
Disability Rate 82
Transfer Income Dependency 74
Consumer Credit Distress 53.4
Debt in Collections 57
Medical Debt 54
Auto Loan Delinquency 41
Credit Card Delinquency 64
Uninsured Rate 37
Subprime Credit Population 58
Economic Vitality 44.5
Wage-to-Rent Ratio 39
Rent-to-Income Ratio 23
Business Formation Rate 81
House Price Change (YoY) 68
Housing Cost Burden 31.8
Rent-Burdened (30%+) 36
Severely Rent-Burdened (50%+) 22
Mortgage-Burdened (30%+) 36
Homeownership Rate 42

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Henry County
Henry County, IN 51.4 Elevated —
Delaware County, IN 68.6 Serious +17.2
Fayette County, IN 67.8 Serious +16.5
Wayne County, IN 66.3 Serious +14.9
Madison County, IN 65.3 Serious +14.0
Rush County, IN 52.0 Elevated +0.7
Randolph County, IN 52.0 Elevated +0.6
Hancock County, IN 37.8 Normal -13.5

Population Peers

CountyScoreZonevs. Henry County
Silver Bow County, MT 51.3 Elevated -0.0
Noble County, OK 51.3 Elevated -0.0
Clinton County, PA 51.3 Elevated -0.0
Cowley County, KS 51.4 Elevated +0.0
Jay County, IN 51.4 Elevated +0.1

Download Data

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

Find Help in Henry 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 Henry 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 Henry County, Indiana?

    Henry County has a County Distress Index score of 51.4 out of 100, placing it in the Elevated zone. It ranks 1,493rd nationally out of 3,144 counties and 40th in Indiana out of 92 counties.

  • What drives financial distress in Henry County?

    The primary driver of distress in Henry County is Legal Distress, where the county scores 93.9 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Henry County compare to neighboring counties?

    Henry County (51.4) can be compared to its 7 neighboring counties: Delaware County, IN (68.6); Fayette County, IN (67.8); Wayne County, IN (66.3).

  • 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 Elevated 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). Henry County's score of 51.4 sits in the Elevated zone (55–71).

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

    Henry 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 Henry County?

    Henry County, Indiana has a population of approximately 48,929 (2023 Census estimate), classified as a small county.