Kosciusko County, Indiana

County Distress Index: Normal · 46.5 | 80,364 people · 55th most distressed in Indiana
American Default Research

Behind on your mortgage or facing eviction? Take a 2-minute assessment to see your options.

Kosciusko County, IN falls within the normal range for household financial distress at 46.5 — 1810th 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 55th of 92 counties. Its score is in the middle of its 6 neighboring counties.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Kosciusko County's primary driver is Legal Distress at 90.8 — worse than roughly 91% of U.S. counties.

Legal Distress Primary driver 90.8
Bankruptcy Filing Rate 91
Housing Cost Burden 57.2
Rent-Burdened (30%+) 68
Severely Rent-Burdened (50%+) 63
Mortgage-Burdened (30%+) 35
Homeownership Rate 35
Consumer Credit Distress 43.7
Debt in Collections 36
Medical Debt 71
Auto Loan Delinquency 41
Credit Card Delinquency 26
Uninsured Rate 72
Subprime Credit Population 41
Economic Vitality 37.4
Wage-to-Rent Ratio 34
Rent-to-Income Ratio 27
Business Formation Rate 64
House Price Change (YoY) 37
Structural Poverty 21.1
Unemployment Rate 10
Poverty Rate 16
Income vs. State Median 30
Child Poverty Rate 15
Disability Rate 28
Transfer Income Dependency 21

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Kosciusko County
Kosciusko County, IN 46.5 Normal —
Elkhart County, IN 60.0 Elevated +13.5
Fulton County, IN 54.4 Elevated +7.9
Noble County, IN 47.3 Normal +0.8
Wabash County, IN 44.5 Normal -2.0
Marshall County, IN 38.0 Normal -8.5
Whitley County, IN 32.3 Healthy -14.2

Population Peers

CountyScoreZonevs. Kosciusko County
Beaver County, PA 46.5 Normal +0.0
Shelby County, AL 46.6 Normal +0.0
Yellowstone County, MT 46.7 Normal +0.1
Johnson County, IN 46.7 Normal +0.1
Sandusky County, OH 46.7 Normal +0.1

Download Data

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

Find Help in Kosciusko 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 Kosciusko 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 →

Continue Reading

Frequently Asked Questions

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

    Kosciusko County has a County Distress Index score of 46.5 out of 100, placing it in the Normal zone. It ranks 1,810th nationally out of 3,144 counties and 55th in Indiana out of 92 counties.

  • What drives financial distress in Kosciusko County?

    The primary driver of distress in Kosciusko County is Legal Distress, where the county scores 90.8 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Kosciusko County compare to neighboring counties?

    Kosciusko County (46.5) can be compared to its 6 neighboring counties: Elkhart County, IN (60.0); Fulton County, IN (54.4); Noble County, IN (47.3).

  • 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 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). Kosciusko County's score of 46.5 sits in the Normal zone (46–55).

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

    Kosciusko 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 Kosciusko County?

    Kosciusko County, Indiana has a population of approximately 80,364 (2023 Census estimate), classified as a mid county.