Randolph County, Indiana

County Distress Index: Elevated · 52.0 | 24,216 people · 36th most distressed in Indiana
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Randolph County, IN registers elevated household financial distress with a score of 52.0 — 1456th 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 36th of 92 counties. Among its 5 neighboring counties, 3 show less distress.

The Numbers Behind the Score

The CDI measures five statistically derived factors of household financial distress, PCA-weighted. Randolph County's primary driver is Legal Distress at 83.5 — worse than roughly 84% of U.S. counties.

Legal Distress Primary driver 83.5
Bankruptcy Filing Rate 83
Structural Poverty 60.3
Unemployment Rate 16
Poverty Rate 59
Income vs. State Median 79
Child Poverty Rate 54
Disability Rate 80
Transfer Income Dependency 59
Housing Cost Burden 53.6
Rent-Burdened (30%+) 68
Severely Rent-Burdened (50%+) 51
Mortgage-Burdened (30%+) 44
Homeownership Rate 33
Consumer Credit Distress 47.8
Debt in Collections 42
Medical Debt 35
Auto Loan Delinquency 52
Credit Card Delinquency 58
Uninsured Rate 45
Subprime Credit Population 52
Economic Vitality 32.0
Wage-to-Rent Ratio 22
Rent-to-Income Ratio 34
Business Formation Rate 63
House Price Change (YoY) 16

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

Neighbors and Peers

Neighboring Counties

CountyScoreZonevs. Randolph County
Randolph County, IN 52.0 Elevated —
Delaware County, IN 68.6 Serious +16.6
Wayne County, IN 66.3 Serious +14.3
Jay County, IN 51.4 Elevated -0.6
Henry County, IN 51.4 Elevated -0.6
Darke County, OH 38.3 Normal -13.6

Population Peers

CountyScoreZonevs. Randolph County
Clinton County, OH 52.0 Elevated +0.0
Breckinridge County, KY 52.0 Elevated +0.0
Greene County, IN 52.0 Elevated -0.0
Coles County, IL 51.9 Elevated -0.0
San Juan County, UT 51.9 Elevated -0.1

Download Data

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

Find Help in Randolph 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 Randolph 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 Randolph County, Indiana?

    Randolph County has a County Distress Index score of 52.0 out of 100, placing it in the Elevated zone. It ranks 1,456th nationally out of 3,144 counties and 36th in Indiana out of 92 counties.

  • What drives financial distress in Randolph County?

    The primary driver of distress in Randolph County is Legal Distress, where the county scores 83.5 out of 100. This domain is measured by indicators including Bankruptcy Filing Rate.

  • How does Randolph County compare to neighboring counties?

    Randolph County (52.0) can be compared to its 5 neighboring counties: Delaware County, IN (68.6); Wayne County, IN (66.3); Jay County, IN (51.4).

  • 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). Randolph County's score of 52.0 sits in the Elevated zone (55–71).

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

    Randolph 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 Randolph County?

    Randolph County, Indiana has a population of approximately 24,216 (2023 Census estimate), classified as a small county.